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$23,213
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$23,935
−HK$733/mo
Today · 4.125%
HK$24,668
baseline
▲ 0.50% · 4.625%
HK$26,169
+HK$1,501/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$49,336/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$381,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,824
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$26,516
−HK$703/mo
Today · 4.125%
HK$27,219
baseline
▲ 0.50% · 4.625%
HK$28,654
+HK$1,435/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$54,438/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$381,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,855
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$28,722
−HK$880/mo
Today · 4.125%
HK$29,602
baseline
▲ 0.50% · 4.625%
HK$31,403
+HK$1,801/mo
Deposit HK$4.07M · loan HK$6.11M · min. income ≈ HK$59,204/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,989
−HK$1,674/mo
▼ 0.25% · 3.875%
HK$31,820
−HK$843/mo
Today · 4.125%
HK$32,663
baseline
▲ 0.50% · 4.625%
HK$34,384
+HK$1,721/mo
Deposit HK$4.07M · loan HK$6.11M · min. income ≈ HK$65,326/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,498
−HK$2,038/mo
▼ 0.25% · 3.875%
HK$33,509
−HK$1,027/mo
Today · 4.125%
HK$34,536
baseline
▲ 0.50% · 4.625%
HK$36,637
+HK$2,101/mo
Deposit HK$3.05M · loan HK$7.13M · min. income ≈ HK$69,072/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$381,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,153
−HK$1,954/mo
▼ 0.25% · 3.875%
HK$37,123
−HK$984/mo
Today · 4.125%
HK$38,107
baseline
▲ 0.50% · 4.625%
HK$40,115
+HK$2,008/mo
Deposit HK$3.05M · loan HK$7.13M · min. income ≈ HK$76,214/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$381,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,783
−HK$2,620/mo
▼ 0.25% · 3.875%
HK$43,082
−HK$1,321/mo
Today · 4.125%
HK$44,403
baseline
▲ 0.50% · 4.625%
HK$47,105
+HK$2,702/mo
Deposit HK$1.02M · loan HK$9.16M · min. income ≈ HK$88,806/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,483
−HK$2,511/mo
▼ 0.25% · 3.875%
HK$47,730
−HK$1,264/mo
Today · 4.125%
HK$48,994
baseline
▲ 0.50% · 4.625%
HK$51,577
+HK$2,583/mo
Deposit HK$1.02M · loan HK$9.16M · min. income ≈ HK$97,988/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,744 · Scale 2, in force from 26 Feb 2026)