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$23,089
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$23,807
−HK$730/mo
Today · 4.125%
HK$24,537
baseline
▲ 0.50% · 4.625%
HK$26,030
+HK$1,493/mo
Deposit HK$5.06M · loan HK$5.06M · min. income ≈ HK$49,074/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$379,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,687
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$26,375
−HK$699/mo
Today · 4.125%
HK$27,074
baseline
▲ 0.50% · 4.625%
HK$28,501
+HK$1,427/mo
Deposit HK$5.06M · loan HK$5.06M · min. income ≈ HK$54,148/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$379,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,707
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$28,569
−HK$876/mo
Today · 4.125%
HK$29,445
baseline
▲ 0.50% · 4.625%
HK$31,236
+HK$1,791/mo
Deposit HK$4.05M · loan HK$6.08M · min. income ≈ HK$58,890/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$379,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,824
−HK$1,665/mo
▼ 0.25% · 3.875%
HK$31,651
−HK$838/mo
Today · 4.125%
HK$32,489
baseline
▲ 0.50% · 4.625%
HK$34,202
+HK$1,713/mo
Deposit HK$4.05M · loan HK$6.08M · min. income ≈ HK$64,978/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$379,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,325
−HK$2,027/mo
▼ 0.25% · 3.875%
HK$33,330
−HK$1,022/mo
Today · 4.125%
HK$34,352
baseline
▲ 0.50% · 4.625%
HK$36,442
+HK$2,090/mo
Deposit HK$3.04M · loan HK$7.09M · min. income ≈ HK$68,704/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$379,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,961
−HK$1,943/mo
▼ 0.25% · 3.875%
HK$36,926
−HK$978/mo
Today · 4.125%
HK$37,904
baseline
▲ 0.50% · 4.625%
HK$39,902
+HK$1,998/mo
Deposit HK$3.04M · loan HK$7.09M · min. income ≈ HK$75,808/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$379,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,561
−HK$2,606/mo
▼ 0.25% · 3.875%
HK$42,853
−HK$1,314/mo
Today · 4.125%
HK$44,167
baseline
▲ 0.50% · 4.625%
HK$46,854
+HK$2,687/mo
Deposit HK$1.01M · loan HK$9.11M · min. income ≈ HK$88,334/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,236
−HK$2,498/mo
▼ 0.25% · 3.875%
HK$47,476
−HK$1,258/mo
Today · 4.125%
HK$48,734
baseline
▲ 0.50% · 4.625%
HK$51,303
+HK$2,569/mo
Deposit HK$1.01M · loan HK$9.11M · min. income ≈ HK$97,468/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,715 · Scale 2, in force from 26 Feb 2026)