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$23,152
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$23,872
−HK$731/mo
Today · 4.125%
HK$24,603
baseline
▲ 0.50% · 4.625%
HK$26,100
+HK$1,497/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$49,206/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$380,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,756
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$26,447
−HK$700/mo
Today · 4.125%
HK$27,147
baseline
▲ 0.50% · 4.625%
HK$28,578
+HK$1,431/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$54,294/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$380,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,782
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$28,646
−HK$878/mo
Today · 4.125%
HK$29,524
baseline
▲ 0.50% · 4.625%
HK$31,321
+HK$1,797/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$59,048/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,907
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$31,736
−HK$841/mo
Today · 4.125%
HK$32,577
baseline
▲ 0.50% · 4.625%
HK$34,294
+HK$1,717/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$65,154/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,412
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$33,420
−HK$1,025/mo
Today · 4.125%
HK$34,445
baseline
▲ 0.50% · 4.625%
HK$36,541
+HK$2,096/mo
Deposit HK$3.05M · loan HK$7.11M · min. income ≈ HK$68,890/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$380,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,058
−HK$1,948/mo
▼ 0.25% · 3.875%
HK$37,025
−HK$981/mo
Today · 4.125%
HK$38,006
baseline
▲ 0.50% · 4.625%
HK$40,010
+HK$2,004/mo
Deposit HK$3.05M · loan HK$7.11M · min. income ≈ HK$76,012/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$380,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,673
−HK$2,613/mo
▼ 0.25% · 3.875%
HK$42,969
−HK$1,317/mo
Today · 4.125%
HK$44,286
baseline
▲ 0.50% · 4.625%
HK$46,981
+HK$2,695/mo
Deposit HK$1.02M · loan HK$9.14M · min. income ≈ HK$88,572/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$380,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,361
−HK$2,504/mo
▼ 0.25% · 3.875%
HK$47,604
−HK$1,261/mo
Today · 4.125%
HK$48,865
baseline
▲ 0.50% · 4.625%
HK$51,441
+HK$2,576/mo
Deposit HK$1.02M · loan HK$9.14M · min. income ≈ HK$97,730/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$380,741 · Scale 2, in force from 26 Feb 2026)