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$23,103
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$23,821
−HK$730/mo
Today · 4.125%
HK$24,551
baseline
▲ 0.50% · 4.625%
HK$26,045
+HK$1,494/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$49,102/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$379,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,701
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$26,391
−HK$699/mo
Today · 4.125%
HK$27,090
baseline
▲ 0.50% · 4.625%
HK$28,518
+HK$1,428/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$54,180/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$379,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,723
−HK$1,739/mo
▼ 0.25% · 3.875%
HK$28,585
−HK$877/mo
Today · 4.125%
HK$29,462
baseline
▲ 0.50% · 4.625%
HK$31,254
+HK$1,792/mo
Deposit HK$4.05M · loan HK$6.08M · min. income ≈ HK$58,924/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$379,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,842
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$31,669
−HK$839/mo
Today · 4.125%
HK$32,508
baseline
▲ 0.50% · 4.625%
HK$34,221
+HK$1,713/mo
Deposit HK$4.05M · loan HK$6.08M · min. income ≈ HK$65,016/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$379,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,344
−HK$2,028/mo
▼ 0.25% · 3.875%
HK$33,350
−HK$1,022/mo
Today · 4.125%
HK$34,372
baseline
▲ 0.50% · 4.625%
HK$36,463
+HK$2,091/mo
Deposit HK$3.04M · loan HK$7.09M · min. income ≈ HK$68,744/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$379,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,982
−HK$1,944/mo
▼ 0.25% · 3.875%
HK$36,947
−HK$979/mo
Today · 4.125%
HK$37,926
baseline
▲ 0.50% · 4.625%
HK$39,925
+HK$1,999/mo
Deposit HK$3.04M · loan HK$7.09M · min. income ≈ HK$75,852/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$379,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,585
−HK$2,607/mo
▼ 0.25% · 3.875%
HK$42,878
−HK$1,314/mo
Today · 4.125%
HK$44,192
baseline
▲ 0.50% · 4.625%
HK$46,881
+HK$2,689/mo
Deposit HK$1.01M · loan HK$9.12M · min. income ≈ HK$88,384/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,262
−HK$2,500/mo
▼ 0.25% · 3.875%
HK$47,503
−HK$1,259/mo
Today · 4.125%
HK$48,762
baseline
▲ 0.50% · 4.625%
HK$51,332
+HK$2,570/mo
Deposit HK$1.01M · loan HK$9.12M · min. income ≈ HK$97,524/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,934 · Scale 2, in force from 26 Feb 2026)