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$23,161
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$23,882
−HK$732/mo
Today · 4.125%
HK$24,614
baseline
▲ 0.50% · 4.625%
HK$26,111
+HK$1,497/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$49,228/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$380,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,767
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$26,458
−HK$701/mo
Today · 4.125%
HK$27,159
baseline
▲ 0.50% · 4.625%
HK$28,590
+HK$1,431/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$54,318/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$380,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,794
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$28,658
−HK$879/mo
Today · 4.125%
HK$29,537
baseline
▲ 0.50% · 4.625%
HK$31,334
+HK$1,797/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$59,074/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,920
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$31,749
−HK$842/mo
Today · 4.125%
HK$32,591
baseline
▲ 0.50% · 4.625%
HK$34,309
+HK$1,718/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$65,182/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,426
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$33,435
−HK$1,024/mo
Today · 4.125%
HK$34,459
baseline
▲ 0.50% · 4.625%
HK$36,556
+HK$2,097/mo
Deposit HK$3.05M · loan HK$7.11M · min. income ≈ HK$68,918/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$380,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,074
−HK$1,948/mo
▼ 0.25% · 3.875%
HK$37,041
−HK$981/mo
Today · 4.125%
HK$38,022
baseline
▲ 0.50% · 4.625%
HK$40,027
+HK$2,005/mo
Deposit HK$3.05M · loan HK$7.11M · min. income ≈ HK$76,044/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$380,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,690
−HK$2,615/mo
▼ 0.25% · 3.875%
HK$42,987
−HK$1,318/mo
Today · 4.125%
HK$44,305
baseline
▲ 0.50% · 4.625%
HK$47,001
+HK$2,696/mo
Deposit HK$1.02M · loan HK$9.14M · min. income ≈ HK$88,610/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$380,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,380
−HK$2,506/mo
▼ 0.25% · 3.875%
HK$47,624
−HK$1,262/mo
Today · 4.125%
HK$48,886
baseline
▲ 0.50% · 4.625%
HK$51,463
+HK$2,577/mo
Deposit HK$1.02M · loan HK$9.14M · min. income ≈ HK$97,772/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$380,901 · Scale 2, in force from 26 Feb 2026)