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$23,152
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$23,872
−HK$732/mo
Today · 4.125%
HK$24,604
baseline
▲ 0.50% · 4.625%
HK$26,101
+HK$1,497/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$49,208/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$380,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,757
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$26,447
−HK$701/mo
Today · 4.125%
HK$27,148
baseline
▲ 0.50% · 4.625%
HK$28,579
+HK$1,431/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$54,296/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$380,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,783
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$28,647
−HK$878/mo
Today · 4.125%
HK$29,525
baseline
▲ 0.50% · 4.625%
HK$31,321
+HK$1,796/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$59,050/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,908
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$31,737
−HK$841/mo
Today · 4.125%
HK$32,578
baseline
▲ 0.50% · 4.625%
HK$34,295
+HK$1,717/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$65,156/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,413
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$33,421
−HK$1,025/mo
Today · 4.125%
HK$34,446
baseline
▲ 0.50% · 4.625%
HK$36,542
+HK$2,096/mo
Deposit HK$3.05M · loan HK$7.11M · min. income ≈ HK$68,892/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$380,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,059
−HK$1,948/mo
▼ 0.25% · 3.875%
HK$37,026
−HK$981/mo
Today · 4.125%
HK$38,007
baseline
▲ 0.50% · 4.625%
HK$40,011
+HK$2,004/mo
Deposit HK$3.05M · loan HK$7.11M · min. income ≈ HK$76,014/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$380,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,674
−HK$2,613/mo
▼ 0.25% · 3.875%
HK$42,970
−HK$1,317/mo
Today · 4.125%
HK$44,287
baseline
▲ 0.50% · 4.625%
HK$46,982
+HK$2,695/mo
Deposit HK$1.02M · loan HK$9.14M · min. income ≈ HK$88,574/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$380,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,362
−HK$2,505/mo
▼ 0.25% · 3.875%
HK$47,605
−HK$1,262/mo
Today · 4.125%
HK$48,867
baseline
▲ 0.50% · 4.625%
HK$51,443
+HK$2,576/mo
Deposit HK$1.02M · loan HK$9.14M · min. income ≈ HK$97,734/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$380,751 · Scale 2, in force from 26 Feb 2026)