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$23,149
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$23,869
−HK$731/mo
Today · 4.125%
HK$24,600
baseline
▲ 0.50% · 4.625%
HK$26,097
+HK$1,497/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$49,200/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$380,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,753
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$26,443
−HK$701/mo
Today · 4.125%
HK$27,144
baseline
▲ 0.50% · 4.625%
HK$28,575
+HK$1,431/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$54,288/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$380,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,778
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$28,642
−HK$878/mo
Today · 4.125%
HK$29,520
baseline
▲ 0.50% · 4.625%
HK$31,316
+HK$1,796/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$59,040/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,903
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$31,732
−HK$841/mo
Today · 4.125%
HK$32,573
baseline
▲ 0.50% · 4.625%
HK$34,290
+HK$1,717/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$65,146/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,408
−HK$2,032/mo
▼ 0.25% · 3.875%
HK$33,416
−HK$1,024/mo
Today · 4.125%
HK$34,440
baseline
▲ 0.50% · 4.625%
HK$36,536
+HK$2,096/mo
Deposit HK$3.05M · loan HK$7.11M · min. income ≈ HK$68,880/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$380,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,054
−HK$1,947/mo
▼ 0.25% · 3.875%
HK$37,021
−HK$980/mo
Today · 4.125%
HK$38,001
baseline
▲ 0.50% · 4.625%
HK$40,005
+HK$2,004/mo
Deposit HK$3.05M · loan HK$7.11M · min. income ≈ HK$76,002/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$380,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,667
−HK$2,613/mo
▼ 0.25% · 3.875%
HK$42,964
−HK$1,316/mo
Today · 4.125%
HK$44,280
baseline
▲ 0.50% · 4.625%
HK$46,975
+HK$2,695/mo
Deposit HK$1.02M · loan HK$9.14M · min. income ≈ HK$88,560/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$380,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,355
−HK$2,504/mo
▼ 0.25% · 3.875%
HK$47,598
−HK$1,261/mo
Today · 4.125%
HK$48,859
baseline
▲ 0.50% · 4.625%
HK$51,434
+HK$2,575/mo
Deposit HK$1.02M · loan HK$9.14M · min. income ≈ HK$97,718/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$380,691 · Scale 2, in force from 26 Feb 2026)