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$23,184
−HK$1,454/mo
▼ 0.25% · 3.875%
HK$23,905
−HK$733/mo
Today · 4.125%
HK$24,638
baseline
▲ 0.50% · 4.625%
HK$26,137
+HK$1,499/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$49,276/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$381,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,792
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$26,484
−HK$702/mo
Today · 4.125%
HK$27,186
baseline
▲ 0.50% · 4.625%
HK$28,619
+HK$1,433/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$54,372/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$381,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,821
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$28,686
−HK$880/mo
Today · 4.125%
HK$29,566
baseline
▲ 0.50% · 4.625%
HK$31,365
+HK$1,799/mo
Deposit HK$4.07M · loan HK$6.10M · min. income ≈ HK$59,132/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,951
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$31,781
−HK$842/mo
Today · 4.125%
HK$32,623
baseline
▲ 0.50% · 4.625%
HK$34,342
+HK$1,719/mo
Deposit HK$4.07M · loan HK$6.10M · min. income ≈ HK$65,246/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,458
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$33,467
−HK$1,026/mo
Today · 4.125%
HK$34,493
baseline
▲ 0.50% · 4.625%
HK$36,592
+HK$2,099/mo
Deposit HK$3.05M · loan HK$7.12M · min. income ≈ HK$68,986/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$381,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,109
−HK$1,951/mo
▼ 0.25% · 3.875%
HK$37,077
−HK$983/mo
Today · 4.125%
HK$38,060
baseline
▲ 0.50% · 4.625%
HK$40,066
+HK$2,006/mo
Deposit HK$3.05M · loan HK$7.12M · min. income ≈ HK$76,120/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$381,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,731
−HK$2,617/mo
▼ 0.25% · 3.875%
HK$43,029
−HK$1,319/mo
Today · 4.125%
HK$44,348
baseline
▲ 0.50% · 4.625%
HK$47,047
+HK$2,699/mo
Deposit HK$1.02M · loan HK$9.15M · min. income ≈ HK$88,696/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,426
−HK$2,508/mo
▼ 0.25% · 3.875%
HK$47,671
−HK$1,263/mo
Today · 4.125%
HK$48,934
baseline
▲ 0.50% · 4.625%
HK$51,513
+HK$2,579/mo
Deposit HK$1.02M · loan HK$9.15M · min. income ≈ HK$97,868/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,275 · Scale 2, in force from 26 Feb 2026)