The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$23,070
−HK$1,447/mo
▼ 0.25% · 3.875%
HK$23,787
−HK$730/mo
Today · 4.125%
HK$24,517
baseline
▲ 0.50% · 4.625%
HK$26,008
+HK$1,491/mo
Deposit HK$5.06M · loan HK$5.06M · min. income ≈ HK$49,034/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$379,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,665
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$26,353
−HK$699/mo
Today · 4.125%
HK$27,052
baseline
▲ 0.50% · 4.625%
HK$28,477
+HK$1,425/mo
Deposit HK$5.06M · loan HK$5.06M · min. income ≈ HK$54,104/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$379,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,684
−HK$1,736/mo
▼ 0.25% · 3.875%
HK$28,545
−HK$875/mo
Today · 4.125%
HK$29,420
baseline
▲ 0.50% · 4.625%
HK$31,210
+HK$1,790/mo
Deposit HK$4.05M · loan HK$6.07M · min. income ≈ HK$58,840/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$379,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,798
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$31,624
−HK$838/mo
Today · 4.125%
HK$32,462
baseline
▲ 0.50% · 4.625%
HK$34,173
+HK$1,711/mo
Deposit HK$4.05M · loan HK$6.07M · min. income ≈ HK$64,924/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$379,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,298
−HK$2,025/mo
▼ 0.25% · 3.875%
HK$33,302
−HK$1,021/mo
Today · 4.125%
HK$34,323
baseline
▲ 0.50% · 4.625%
HK$36,412
+HK$2,089/mo
Deposit HK$3.04M · loan HK$7.08M · min. income ≈ HK$68,646/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$379,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,931
−HK$1,941/mo
▼ 0.25% · 3.875%
HK$36,895
−HK$977/mo
Today · 4.125%
HK$37,872
baseline
▲ 0.50% · 4.625%
HK$39,868
+HK$1,996/mo
Deposit HK$3.04M · loan HK$7.08M · min. income ≈ HK$75,744/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$379,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,526
−HK$2,604/mo
▼ 0.25% · 3.875%
HK$42,817
−HK$1,313/mo
Today · 4.125%
HK$44,130
baseline
▲ 0.50% · 4.625%
HK$46,815
+HK$2,685/mo
Deposit HK$1.01M · loan HK$9.11M · min. income ≈ HK$88,260/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,197
−HK$2,496/mo
▼ 0.25% · 3.875%
HK$47,436
−HK$1,257/mo
Today · 4.125%
HK$48,693
baseline
▲ 0.50% · 4.625%
HK$51,259
+HK$2,566/mo
Deposit HK$1.01M · loan HK$9.11M · min. income ≈ HK$97,386/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,396 · Scale 2, in force from 26 Feb 2026)