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$23,186
−HK$1,454/mo
▼ 0.25% · 3.875%
HK$23,908
−HK$732/mo
Today · 4.125%
HK$24,640
baseline
▲ 0.50% · 4.625%
HK$26,140
+HK$1,500/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$49,280/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$381,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,795
−HK$1,393/mo
▼ 0.25% · 3.875%
HK$26,487
−HK$701/mo
Today · 4.125%
HK$27,188
baseline
▲ 0.50% · 4.625%
HK$28,621
+HK$1,433/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$54,376/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$381,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,824
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$28,689
−HK$880/mo
Today · 4.125%
HK$29,569
baseline
▲ 0.50% · 4.625%
HK$31,368
+HK$1,799/mo
Deposit HK$4.07M · loan HK$6.10M · min. income ≈ HK$59,138/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,954
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$31,784
−HK$842/mo
Today · 4.125%
HK$32,626
baseline
▲ 0.50% · 4.625%
HK$34,346
+HK$1,720/mo
Deposit HK$4.07M · loan HK$6.10M · min. income ≈ HK$65,252/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,461
−HK$2,036/mo
▼ 0.25% · 3.875%
HK$33,471
−HK$1,026/mo
Today · 4.125%
HK$34,497
baseline
▲ 0.50% · 4.625%
HK$36,596
+HK$2,099/mo
Deposit HK$3.05M · loan HK$7.12M · min. income ≈ HK$68,994/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$381,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,113
−HK$1,951/mo
▼ 0.25% · 3.875%
HK$37,081
−HK$983/mo
Today · 4.125%
HK$38,064
baseline
▲ 0.50% · 4.625%
HK$40,070
+HK$2,006/mo
Deposit HK$3.05M · loan HK$7.12M · min. income ≈ HK$76,128/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$381,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,736
−HK$2,617/mo
▼ 0.25% · 3.875%
HK$43,034
−HK$1,319/mo
Today · 4.125%
HK$44,353
baseline
▲ 0.50% · 4.625%
HK$47,052
+HK$2,699/mo
Deposit HK$1.02M · loan HK$9.15M · min. income ≈ HK$88,706/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,431
−HK$2,508/mo
▼ 0.25% · 3.875%
HK$47,676
−HK$1,263/mo
Today · 4.125%
HK$48,939
baseline
▲ 0.50% · 4.625%
HK$51,519
+HK$2,580/mo
Deposit HK$1.02M · loan HK$9.15M · min. income ≈ HK$97,878/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,314 · Scale 2, in force from 26 Feb 2026)