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$23,147
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$23,867
−HK$731/mo
Today · 4.125%
HK$24,598
baseline
▲ 0.50% · 4.625%
HK$26,095
+HK$1,497/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$49,196/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$380,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,751
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$26,441
−HK$701/mo
Today · 4.125%
HK$27,142
baseline
▲ 0.50% · 4.625%
HK$28,573
+HK$1,431/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$54,284/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$380,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,776
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$28,640
−HK$878/mo
Today · 4.125%
HK$29,518
baseline
▲ 0.50% · 4.625%
HK$31,314
+HK$1,796/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$59,036/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,901
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$31,730
−HK$840/mo
Today · 4.125%
HK$32,570
baseline
▲ 0.50% · 4.625%
HK$34,287
+HK$1,717/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$65,140/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,406
−HK$2,032/mo
▼ 0.25% · 3.875%
HK$33,414
−HK$1,024/mo
Today · 4.125%
HK$34,438
baseline
▲ 0.50% · 4.625%
HK$36,533
+HK$2,095/mo
Deposit HK$3.05M · loan HK$7.11M · min. income ≈ HK$68,876/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$380,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,051
−HK$1,948/mo
▼ 0.25% · 3.875%
HK$37,018
−HK$981/mo
Today · 4.125%
HK$37,999
baseline
▲ 0.50% · 4.625%
HK$40,002
+HK$2,003/mo
Deposit HK$3.05M · loan HK$7.11M · min. income ≈ HK$75,998/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$380,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,664
−HK$2,613/mo
▼ 0.25% · 3.875%
HK$42,960
−HK$1,317/mo
Today · 4.125%
HK$44,277
baseline
▲ 0.50% · 4.625%
HK$46,971
+HK$2,694/mo
Deposit HK$1.02M · loan HK$9.14M · min. income ≈ HK$88,554/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$380,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,351
−HK$2,505/mo
▼ 0.25% · 3.875%
HK$47,594
−HK$1,262/mo
Today · 4.125%
HK$48,856
baseline
▲ 0.50% · 4.625%
HK$51,431
+HK$2,575/mo
Deposit HK$1.02M · loan HK$9.14M · min. income ≈ HK$97,712/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$380,664 · Scale 2, in force from 26 Feb 2026)