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$23,105
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$23,824
−HK$730/mo
Today · 4.125%
HK$24,554
baseline
▲ 0.50% · 4.625%
HK$26,048
+HK$1,494/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$49,108/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$379,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,704
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$26,393
−HK$700/mo
Today · 4.125%
HK$27,093
baseline
▲ 0.50% · 4.625%
HK$28,521
+HK$1,428/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$54,186/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$379,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,726
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$28,588
−HK$876/mo
Today · 4.125%
HK$29,464
baseline
▲ 0.50% · 4.625%
HK$31,257
+HK$1,793/mo
Deposit HK$4.05M · loan HK$6.08M · min. income ≈ HK$58,928/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$379,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,845
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$31,672
−HK$839/mo
Today · 4.125%
HK$32,511
baseline
▲ 0.50% · 4.625%
HK$34,225
+HK$1,714/mo
Deposit HK$4.05M · loan HK$6.08M · min. income ≈ HK$65,022/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$379,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,347
−HK$2,028/mo
▼ 0.25% · 3.875%
HK$33,353
−HK$1,022/mo
Today · 4.125%
HK$34,375
baseline
▲ 0.50% · 4.625%
HK$36,467
+HK$2,092/mo
Deposit HK$3.04M · loan HK$7.09M · min. income ≈ HK$68,750/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$379,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,986
−HK$1,944/mo
▼ 0.25% · 3.875%
HK$36,951
−HK$979/mo
Today · 4.125%
HK$37,930
baseline
▲ 0.50% · 4.625%
HK$39,929
+HK$1,999/mo
Deposit HK$3.04M · loan HK$7.09M · min. income ≈ HK$75,860/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$379,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,589
−HK$2,608/mo
▼ 0.25% · 3.875%
HK$42,882
−HK$1,315/mo
Today · 4.125%
HK$44,197
baseline
▲ 0.50% · 4.625%
HK$46,886
+HK$2,689/mo
Deposit HK$1.01M · loan HK$9.12M · min. income ≈ HK$88,394/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,267
−HK$2,500/mo
▼ 0.25% · 3.875%
HK$47,508
−HK$1,259/mo
Today · 4.125%
HK$48,767
baseline
▲ 0.50% · 4.625%
HK$51,337
+HK$2,570/mo
Deposit HK$1.01M · loan HK$9.12M · min. income ≈ HK$97,534/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,972 · Scale 2, in force from 26 Feb 2026)