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$23,111
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$23,830
−HK$731/mo
Today · 4.125%
HK$24,561
baseline
▲ 0.50% · 4.625%
HK$26,055
+HK$1,494/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$49,122/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$380,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,711
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$26,401
−HK$699/mo
Today · 4.125%
HK$27,100
baseline
▲ 0.50% · 4.625%
HK$28,529
+HK$1,429/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$54,200/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$380,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,733
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$28,596
−HK$877/mo
Today · 4.125%
HK$29,473
baseline
▲ 0.50% · 4.625%
HK$31,266
+HK$1,793/mo
Deposit HK$4.05M · loan HK$6.08M · min. income ≈ HK$58,946/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$380,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,853
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$31,681
−HK$839/mo
Today · 4.125%
HK$32,520
baseline
▲ 0.50% · 4.625%
HK$34,234
+HK$1,714/mo
Deposit HK$4.05M · loan HK$6.08M · min. income ≈ HK$65,040/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$380,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,356
−HK$2,029/mo
▼ 0.25% · 3.875%
HK$33,362
−HK$1,023/mo
Today · 4.125%
HK$34,385
baseline
▲ 0.50% · 4.625%
HK$36,477
+HK$2,092/mo
Deposit HK$3.04M · loan HK$7.09M · min. income ≈ HK$68,770/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$380,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,995
−HK$1,945/mo
▼ 0.25% · 3.875%
HK$36,961
−HK$979/mo
Today · 4.125%
HK$37,940
baseline
▲ 0.50% · 4.625%
HK$39,940
+HK$2,000/mo
Deposit HK$3.04M · loan HK$7.09M · min. income ≈ HK$75,880/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$380,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,600
−HK$2,609/mo
▼ 0.25% · 3.875%
HK$42,894
−HK$1,315/mo
Today · 4.125%
HK$44,209
baseline
▲ 0.50% · 4.625%
HK$46,899
+HK$2,690/mo
Deposit HK$1.01M · loan HK$9.12M · min. income ≈ HK$88,418/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$380,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,280
−HK$2,500/mo
▼ 0.25% · 3.875%
HK$47,521
−HK$1,259/mo
Today · 4.125%
HK$48,780
baseline
▲ 0.50% · 4.625%
HK$51,351
+HK$2,571/mo
Deposit HK$1.01M · loan HK$9.12M · min. income ≈ HK$97,560/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$380,077 · Scale 2, in force from 26 Feb 2026)