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$23,117
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$23,836
−HK$731/mo
Today · 4.125%
HK$24,567
baseline
▲ 0.50% · 4.625%
HK$26,062
+HK$1,495/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$49,134/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$380,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,718
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$26,407
−HK$700/mo
Today · 4.125%
HK$27,107
baseline
▲ 0.50% · 4.625%
HK$28,536
+HK$1,429/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$54,214/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$380,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,741
−HK$1,739/mo
▼ 0.25% · 3.875%
HK$28,603
−HK$877/mo
Today · 4.125%
HK$29,480
baseline
▲ 0.50% · 4.625%
HK$31,274
+HK$1,794/mo
Deposit HK$4.06M · loan HK$6.08M · min. income ≈ HK$58,960/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,861
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$31,689
−HK$839/mo
Today · 4.125%
HK$32,528
baseline
▲ 0.50% · 4.625%
HK$34,243
+HK$1,715/mo
Deposit HK$4.06M · loan HK$6.08M · min. income ≈ HK$65,056/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,364
−HK$2,029/mo
▼ 0.25% · 3.875%
HK$33,371
−HK$1,022/mo
Today · 4.125%
HK$34,393
baseline
▲ 0.50% · 4.625%
HK$36,486
+HK$2,093/mo
Deposit HK$3.04M · loan HK$7.10M · min. income ≈ HK$68,786/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$380,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,005
−HK$1,945/mo
▼ 0.25% · 3.875%
HK$36,970
−HK$980/mo
Today · 4.125%
HK$37,950
baseline
▲ 0.50% · 4.625%
HK$39,950
+HK$2,000/mo
Deposit HK$3.04M · loan HK$7.10M · min. income ≈ HK$75,900/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$380,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,611
−HK$2,609/mo
▼ 0.25% · 3.875%
HK$42,905
−HK$1,315/mo
Today · 4.125%
HK$44,220
baseline
▲ 0.50% · 4.625%
HK$46,911
+HK$2,691/mo
Deposit HK$1.01M · loan HK$9.12M · min. income ≈ HK$88,440/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$380,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,292
−HK$2,501/mo
▼ 0.25% · 3.875%
HK$47,533
−HK$1,260/mo
Today · 4.125%
HK$48,793
baseline
▲ 0.50% · 4.625%
HK$51,365
+HK$2,572/mo
Deposit HK$1.01M · loan HK$9.12M · min. income ≈ HK$97,586/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$380,174 · Scale 2, in force from 26 Feb 2026)