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$23,065
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$23,782
−HK$729/mo
Today · 4.125%
HK$24,511
baseline
▲ 0.50% · 4.625%
HK$26,002
+HK$1,491/mo
Deposit HK$5.06M · loan HK$5.06M · min. income ≈ HK$49,022/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$379,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,659
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$26,347
−HK$698/mo
Today · 4.125%
HK$27,045
baseline
▲ 0.50% · 4.625%
HK$28,471
+HK$1,426/mo
Deposit HK$5.06M · loan HK$5.06M · min. income ≈ HK$54,090/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$379,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,677
−HK$1,736/mo
▼ 0.25% · 3.875%
HK$28,538
−HK$875/mo
Today · 4.125%
HK$29,413
baseline
▲ 0.50% · 4.625%
HK$31,203
+HK$1,790/mo
Deposit HK$4.05M · loan HK$6.07M · min. income ≈ HK$58,826/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$379,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,791
−HK$1,663/mo
▼ 0.25% · 3.875%
HK$31,617
−HK$837/mo
Today · 4.125%
HK$32,454
baseline
▲ 0.50% · 4.625%
HK$34,165
+HK$1,711/mo
Deposit HK$4.05M · loan HK$6.07M · min. income ≈ HK$64,908/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$379,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,290
−HK$2,025/mo
▼ 0.25% · 3.875%
HK$33,295
−HK$1,020/mo
Today · 4.125%
HK$34,315
baseline
▲ 0.50% · 4.625%
HK$36,403
+HK$2,088/mo
Deposit HK$3.03M · loan HK$7.08M · min. income ≈ HK$68,630/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$379,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,923
−HK$1,940/mo
▼ 0.25% · 3.875%
HK$36,886
−HK$977/mo
Today · 4.125%
HK$37,863
baseline
▲ 0.50% · 4.625%
HK$39,859
+HK$1,996/mo
Deposit HK$3.03M · loan HK$7.08M · min. income ≈ HK$75,726/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$379,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,516
−HK$2,604/mo
▼ 0.25% · 3.875%
HK$42,808
−HK$1,312/mo
Today · 4.125%
HK$44,120
baseline
▲ 0.50% · 4.625%
HK$46,804
+HK$2,684/mo
Deposit HK$1.01M · loan HK$9.10M · min. income ≈ HK$88,240/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,186
−HK$2,496/mo
▼ 0.25% · 3.875%
HK$47,425
−HK$1,257/mo
Today · 4.125%
HK$48,682
baseline
▲ 0.50% · 4.625%
HK$51,248
+HK$2,566/mo
Deposit HK$1.01M · loan HK$9.10M · min. income ≈ HK$97,364/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,308 · Scale 2, in force from 26 Feb 2026)