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$23,112
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$23,831
−HK$731/mo
Today · 4.125%
HK$24,562
baseline
▲ 0.50% · 4.625%
HK$26,056
+HK$1,494/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$49,124/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$380,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,712
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$26,402
−HK$699/mo
Today · 4.125%
HK$27,101
baseline
▲ 0.50% · 4.625%
HK$28,530
+HK$1,429/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$54,202/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$380,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,735
−HK$1,739/mo
▼ 0.25% · 3.875%
HK$28,597
−HK$877/mo
Today · 4.125%
HK$29,474
baseline
▲ 0.50% · 4.625%
HK$31,267
+HK$1,793/mo
Deposit HK$4.05M · loan HK$6.08M · min. income ≈ HK$58,948/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$380,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,855
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$31,682
−HK$840/mo
Today · 4.125%
HK$32,522
baseline
▲ 0.50% · 4.625%
HK$34,236
+HK$1,714/mo
Deposit HK$4.05M · loan HK$6.08M · min. income ≈ HK$65,044/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$380,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,357
−HK$2,029/mo
▼ 0.25% · 3.875%
HK$33,364
−HK$1,022/mo
Today · 4.125%
HK$34,386
baseline
▲ 0.50% · 4.625%
HK$36,479
+HK$2,093/mo
Deposit HK$3.04M · loan HK$7.10M · min. income ≈ HK$68,772/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$380,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,997
−HK$1,945/mo
▼ 0.25% · 3.875%
HK$36,962
−HK$980/mo
Today · 4.125%
HK$37,942
baseline
▲ 0.50% · 4.625%
HK$39,942
+HK$2,000/mo
Deposit HK$3.04M · loan HK$7.10M · min. income ≈ HK$75,884/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$380,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,602
−HK$2,609/mo
▼ 0.25% · 3.875%
HK$42,896
−HK$1,315/mo
Today · 4.125%
HK$44,211
baseline
▲ 0.50% · 4.625%
HK$46,901
+HK$2,690/mo
Deposit HK$1.01M · loan HK$9.12M · min. income ≈ HK$88,422/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$380,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,282
−HK$2,500/mo
▼ 0.25% · 3.875%
HK$47,523
−HK$1,259/mo
Today · 4.125%
HK$48,782
baseline
▲ 0.50% · 4.625%
HK$51,354
+HK$2,572/mo
Deposit HK$1.01M · loan HK$9.12M · min. income ≈ HK$97,564/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$380,093 · Scale 2, in force from 26 Feb 2026)