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$23,208
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$23,930
−HK$733/mo
Today · 4.125%
HK$24,663
baseline
▲ 0.50% · 4.625%
HK$26,164
+HK$1,501/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$49,326/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$381,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,818
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$26,511
−HK$702/mo
Today · 4.125%
HK$27,213
baseline
▲ 0.50% · 4.625%
HK$28,648
+HK$1,435/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$54,426/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$381,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,849
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$28,716
−HK$880/mo
Today · 4.125%
HK$29,596
baseline
▲ 0.50% · 4.625%
HK$31,396
+HK$1,800/mo
Deposit HK$4.07M · loan HK$6.11M · min. income ≈ HK$59,192/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,982
−HK$1,674/mo
▼ 0.25% · 3.875%
HK$31,813
−HK$843/mo
Today · 4.125%
HK$32,656
baseline
▲ 0.50% · 4.625%
HK$34,377
+HK$1,721/mo
Deposit HK$4.07M · loan HK$6.11M · min. income ≈ HK$65,312/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,491
−HK$2,037/mo
▼ 0.25% · 3.875%
HK$33,501
−HK$1,027/mo
Today · 4.125%
HK$34,528
baseline
▲ 0.50% · 4.625%
HK$36,629
+HK$2,101/mo
Deposit HK$3.05M · loan HK$7.12M · min. income ≈ HK$69,056/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$381,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,146
−HK$1,953/mo
▼ 0.25% · 3.875%
HK$37,115
−HK$984/mo
Today · 4.125%
HK$38,099
baseline
▲ 0.50% · 4.625%
HK$40,107
+HK$2,008/mo
Deposit HK$3.05M · loan HK$7.12M · min. income ≈ HK$76,198/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$381,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,774
−HK$2,619/mo
▼ 0.25% · 3.875%
HK$43,073
−HK$1,320/mo
Today · 4.125%
HK$44,393
baseline
▲ 0.50% · 4.625%
HK$47,095
+HK$2,702/mo
Deposit HK$1.02M · loan HK$9.16M · min. income ≈ HK$88,786/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,473
−HK$2,511/mo
▼ 0.25% · 3.875%
HK$47,719
−HK$1,265/mo
Today · 4.125%
HK$48,984
baseline
▲ 0.50% · 4.625%
HK$51,566
+HK$2,582/mo
Deposit HK$1.02M · loan HK$9.16M · min. income ≈ HK$97,968/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,664 · Scale 2, in force from 26 Feb 2026)