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$23,197
−HK$1,454/mo
▼ 0.25% · 3.875%
HK$23,918
−HK$733/mo
Today · 4.125%
HK$24,651
baseline
▲ 0.50% · 4.625%
HK$26,151
+HK$1,500/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$49,302/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$381,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,806
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$26,498
−HK$702/mo
Today · 4.125%
HK$27,200
baseline
▲ 0.50% · 4.625%
HK$28,634
+HK$1,434/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$54,400/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$381,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,836
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$28,702
−HK$880/mo
Today · 4.125%
HK$29,582
baseline
▲ 0.50% · 4.625%
HK$31,382
+HK$1,800/mo
Deposit HK$4.07M · loan HK$6.10M · min. income ≈ HK$59,164/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,967
−HK$1,673/mo
▼ 0.25% · 3.875%
HK$31,798
−HK$842/mo
Today · 4.125%
HK$32,640
baseline
▲ 0.50% · 4.625%
HK$34,361
+HK$1,721/mo
Deposit HK$4.07M · loan HK$6.10M · min. income ≈ HK$65,280/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,475
−HK$2,037/mo
▼ 0.25% · 3.875%
HK$33,486
−HK$1,026/mo
Today · 4.125%
HK$34,512
baseline
▲ 0.50% · 4.625%
HK$36,612
+HK$2,100/mo
Deposit HK$3.05M · loan HK$7.12M · min. income ≈ HK$69,024/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$381,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,129
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$37,098
−HK$983/mo
Today · 4.125%
HK$38,081
baseline
▲ 0.50% · 4.625%
HK$40,088
+HK$2,007/mo
Deposit HK$3.05M · loan HK$7.12M · min. income ≈ HK$76,162/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$381,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,754
−HK$2,619/mo
▼ 0.25% · 3.875%
HK$43,053
−HK$1,320/mo
Today · 4.125%
HK$44,373
baseline
▲ 0.50% · 4.625%
HK$47,073
+HK$2,700/mo
Deposit HK$1.02M · loan HK$9.16M · min. income ≈ HK$88,746/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,451
−HK$2,510/mo
▼ 0.25% · 3.875%
HK$47,697
−HK$1,264/mo
Today · 4.125%
HK$48,961
baseline
▲ 0.50% · 4.625%
HK$51,542
+HK$2,581/mo
Deposit HK$1.02M · loan HK$9.16M · min. income ≈ HK$97,922/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,484 · Scale 2, in force from 26 Feb 2026)