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$23,160
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$23,880
−HK$732/mo
Today · 4.125%
HK$24,612
baseline
▲ 0.50% · 4.625%
HK$26,110
+HK$1,498/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$49,224/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$380,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,765
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$26,456
−HK$701/mo
Today · 4.125%
HK$27,157
baseline
▲ 0.50% · 4.625%
HK$28,589
+HK$1,432/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$54,314/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$380,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,792
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$28,656
−HK$879/mo
Today · 4.125%
HK$29,535
baseline
▲ 0.50% · 4.625%
HK$31,332
+HK$1,797/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$59,070/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,918
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$31,747
−HK$841/mo
Today · 4.125%
HK$32,588
baseline
▲ 0.50% · 4.625%
HK$34,306
+HK$1,718/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$65,176/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,424
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$33,432
−HK$1,025/mo
Today · 4.125%
HK$34,457
baseline
▲ 0.50% · 4.625%
HK$36,554
+HK$2,097/mo
Deposit HK$3.05M · loan HK$7.11M · min. income ≈ HK$68,914/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$380,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,071
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$37,038
−HK$982/mo
Today · 4.125%
HK$38,020
baseline
▲ 0.50% · 4.625%
HK$40,024
+HK$2,004/mo
Deposit HK$3.05M · loan HK$7.11M · min. income ≈ HK$76,040/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$380,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,688
−HK$2,614/mo
▼ 0.25% · 3.875%
HK$42,984
−HK$1,318/mo
Today · 4.125%
HK$44,302
baseline
▲ 0.50% · 4.625%
HK$46,997
+HK$2,695/mo
Deposit HK$1.02M · loan HK$9.14M · min. income ≈ HK$88,604/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$380,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,377
−HK$2,506/mo
▼ 0.25% · 3.875%
HK$47,621
−HK$1,262/mo
Today · 4.125%
HK$48,883
baseline
▲ 0.50% · 4.625%
HK$51,459
+HK$2,576/mo
Deposit HK$1.02M · loan HK$9.14M · min. income ≈ HK$97,766/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$380,875 · Scale 2, in force from 26 Feb 2026)