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$23,183
−HK$1,454/mo
▼ 0.25% · 3.875%
HK$23,905
−HK$732/mo
Today · 4.125%
HK$24,637
baseline
▲ 0.50% · 4.625%
HK$26,136
+HK$1,499/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$49,274/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$381,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,791
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$26,483
−HK$702/mo
Today · 4.125%
HK$27,185
baseline
▲ 0.50% · 4.625%
HK$28,618
+HK$1,433/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$54,370/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$381,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,820
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$28,685
−HK$880/mo
Today · 4.125%
HK$29,565
baseline
▲ 0.50% · 4.625%
HK$31,364
+HK$1,799/mo
Deposit HK$4.07M · loan HK$6.10M · min. income ≈ HK$59,130/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,950
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$31,780
−HK$842/mo
Today · 4.125%
HK$32,622
baseline
▲ 0.50% · 4.625%
HK$34,341
+HK$1,719/mo
Deposit HK$4.07M · loan HK$6.10M · min. income ≈ HK$65,244/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,457
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$33,466
−HK$1,026/mo
Today · 4.125%
HK$34,492
baseline
▲ 0.50% · 4.625%
HK$36,591
+HK$2,099/mo
Deposit HK$3.05M · loan HK$7.12M · min. income ≈ HK$68,984/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$381,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,108
−HK$1,951/mo
▼ 0.25% · 3.875%
HK$37,076
−HK$983/mo
Today · 4.125%
HK$38,059
baseline
▲ 0.50% · 4.625%
HK$40,065
+HK$2,006/mo
Deposit HK$3.05M · loan HK$7.12M · min. income ≈ HK$76,118/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$381,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,730
−HK$2,617/mo
▼ 0.25% · 3.875%
HK$43,028
−HK$1,319/mo
Today · 4.125%
HK$44,347
baseline
▲ 0.50% · 4.625%
HK$47,045
+HK$2,698/mo
Deposit HK$1.02M · loan HK$9.15M · min. income ≈ HK$88,694/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,424
−HK$2,509/mo
▼ 0.25% · 3.875%
HK$47,669
−HK$1,264/mo
Today · 4.125%
HK$48,933
baseline
▲ 0.50% · 4.625%
HK$51,512
+HK$2,579/mo
Deposit HK$1.02M · loan HK$9.15M · min. income ≈ HK$97,866/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,264 · Scale 2, in force from 26 Feb 2026)