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$23,161
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$23,881
−HK$732/mo
Today · 4.125%
HK$24,613
baseline
▲ 0.50% · 4.625%
HK$26,111
+HK$1,498/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$49,226/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$380,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,766
−HK$1,393/mo
▼ 0.25% · 3.875%
HK$26,457
−HK$702/mo
Today · 4.125%
HK$27,159
baseline
▲ 0.50% · 4.625%
HK$28,590
+HK$1,431/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$54,318/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$380,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,793
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$28,658
−HK$878/mo
Today · 4.125%
HK$29,536
baseline
▲ 0.50% · 4.625%
HK$31,333
+HK$1,797/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$59,072/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,920
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$31,749
−HK$841/mo
Today · 4.125%
HK$32,590
baseline
▲ 0.50% · 4.625%
HK$34,308
+HK$1,718/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$65,180/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,425
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$33,434
−HK$1,025/mo
Today · 4.125%
HK$34,459
baseline
▲ 0.50% · 4.625%
HK$36,556
+HK$2,097/mo
Deposit HK$3.05M · loan HK$7.11M · min. income ≈ HK$68,918/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$380,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,073
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$37,040
−HK$982/mo
Today · 4.125%
HK$38,022
baseline
▲ 0.50% · 4.625%
HK$40,026
+HK$2,004/mo
Deposit HK$3.05M · loan HK$7.11M · min. income ≈ HK$76,044/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$380,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,690
−HK$2,614/mo
▼ 0.25% · 3.875%
HK$42,987
−HK$1,317/mo
Today · 4.125%
HK$44,304
baseline
▲ 0.50% · 4.625%
HK$47,000
+HK$2,696/mo
Deposit HK$1.02M · loan HK$9.14M · min. income ≈ HK$88,608/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$380,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,380
−HK$2,505/mo
▼ 0.25% · 3.875%
HK$47,623
−HK$1,262/mo
Today · 4.125%
HK$48,885
baseline
▲ 0.50% · 4.625%
HK$51,462
+HK$2,577/mo
Deposit HK$1.02M · loan HK$9.14M · min. income ≈ HK$97,770/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$380,896 · Scale 2, in force from 26 Feb 2026)