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$23,054
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$23,771
−HK$729/mo
Today · 4.125%
HK$24,500
baseline
▲ 0.50% · 4.625%
HK$25,990
+HK$1,490/mo
Deposit HK$5.06M · loan HK$5.06M · min. income ≈ HK$49,000/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$379,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,647
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$26,335
−HK$698/mo
Today · 4.125%
HK$27,033
baseline
▲ 0.50% · 4.625%
HK$28,458
+HK$1,425/mo
Deposit HK$5.06M · loan HK$5.06M · min. income ≈ HK$54,066/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$379,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,665
−HK$1,735/mo
▼ 0.25% · 3.875%
HK$28,525
−HK$875/mo
Today · 4.125%
HK$29,400
baseline
▲ 0.50% · 4.625%
HK$31,189
+HK$1,789/mo
Deposit HK$4.04M · loan HK$6.07M · min. income ≈ HK$58,800/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$379,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,777
−HK$1,663/mo
▼ 0.25% · 3.875%
HK$31,602
−HK$838/mo
Today · 4.125%
HK$32,440
baseline
▲ 0.50% · 4.625%
HK$34,150
+HK$1,710/mo
Deposit HK$4.04M · loan HK$6.07M · min. income ≈ HK$64,880/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$379,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,276
−HK$2,024/mo
▼ 0.25% · 3.875%
HK$33,280
−HK$1,020/mo
Today · 4.125%
HK$34,300
baseline
▲ 0.50% · 4.625%
HK$36,387
+HK$2,087/mo
Deposit HK$3.03M · loan HK$7.08M · min. income ≈ HK$68,600/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$379,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,906
−HK$1,940/mo
▼ 0.25% · 3.875%
HK$36,869
−HK$977/mo
Today · 4.125%
HK$37,846
baseline
▲ 0.50% · 4.625%
HK$39,841
+HK$1,995/mo
Deposit HK$3.03M · loan HK$7.08M · min. income ≈ HK$75,692/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$379,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,497
−HK$2,603/mo
▼ 0.25% · 3.875%
HK$42,788
−HK$1,312/mo
Today · 4.125%
HK$44,100
baseline
▲ 0.50% · 4.625%
HK$46,783
+HK$2,683/mo
Deposit HK$1.01M · loan HK$9.10M · min. income ≈ HK$88,200/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,165
−HK$2,494/mo
▼ 0.25% · 3.875%
HK$47,403
−HK$1,256/mo
Today · 4.125%
HK$48,659
baseline
▲ 0.50% · 4.625%
HK$51,224
+HK$2,565/mo
Deposit HK$1.01M · loan HK$9.10M · min. income ≈ HK$97,318/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,136 · Scale 2, in force from 26 Feb 2026)