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$23,144
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$23,864
−HK$732/mo
Today · 4.125%
HK$24,596
baseline
▲ 0.50% · 4.625%
HK$26,092
+HK$1,496/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$49,192/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$380,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,748
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$26,438
−HK$701/mo
Today · 4.125%
HK$27,139
baseline
▲ 0.50% · 4.625%
HK$28,569
+HK$1,430/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$54,278/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$380,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,773
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$28,637
−HK$878/mo
Today · 4.125%
HK$29,515
baseline
▲ 0.50% · 4.625%
HK$31,311
+HK$1,796/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$59,030/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,897
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$31,726
−HK$841/mo
Today · 4.125%
HK$32,567
baseline
▲ 0.50% · 4.625%
HK$34,283
+HK$1,716/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$65,134/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,402
−HK$2,032/mo
▼ 0.25% · 3.875%
HK$33,410
−HK$1,024/mo
Today · 4.125%
HK$34,434
baseline
▲ 0.50% · 4.625%
HK$36,529
+HK$2,095/mo
Deposit HK$3.04M · loan HK$7.10M · min. income ≈ HK$68,868/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$380,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,047
−HK$1,948/mo
▼ 0.25% · 3.875%
HK$37,014
−HK$981/mo
Today · 4.125%
HK$37,995
baseline
▲ 0.50% · 4.625%
HK$39,997
+HK$2,002/mo
Deposit HK$3.04M · loan HK$7.10M · min. income ≈ HK$75,990/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$380,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,660
−HK$2,612/mo
▼ 0.25% · 3.875%
HK$42,956
−HK$1,316/mo
Today · 4.125%
HK$44,272
baseline
▲ 0.50% · 4.625%
HK$46,966
+HK$2,694/mo
Deposit HK$1.01M · loan HK$9.13M · min. income ≈ HK$88,544/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$380,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,346
−HK$2,504/mo
▼ 0.25% · 3.875%
HK$47,589
−HK$1,261/mo
Today · 4.125%
HK$48,850
baseline
▲ 0.50% · 4.625%
HK$51,425
+HK$2,575/mo
Deposit HK$1.01M · loan HK$9.13M · min. income ≈ HK$97,700/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$380,621 · Scale 2, in force from 26 Feb 2026)