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$23,221
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$23,944
−HK$734/mo
Today · 4.125%
HK$24,678
baseline
▲ 0.50% · 4.625%
HK$26,179
+HK$1,501/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$49,356/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$381,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,834
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$26,526
−HK$703/mo
Today · 4.125%
HK$27,229
baseline
▲ 0.50% · 4.625%
HK$28,665
+HK$1,436/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$54,458/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$381,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,866
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$28,732
−HK$881/mo
Today · 4.125%
HK$29,613
baseline
▲ 0.50% · 4.625%
HK$31,415
+HK$1,802/mo
Deposit HK$4.07M · loan HK$6.11M · min. income ≈ HK$59,226/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$381,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,000
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$31,832
−HK$843/mo
Today · 4.125%
HK$32,675
baseline
▲ 0.50% · 4.625%
HK$34,398
+HK$1,723/mo
Deposit HK$4.07M · loan HK$6.11M · min. income ≈ HK$65,350/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$381,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,510
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$33,521
−HK$1,028/mo
Today · 4.125%
HK$34,549
baseline
▲ 0.50% · 4.625%
HK$36,651
+HK$2,102/mo
Deposit HK$3.06M · loan HK$7.13M · min. income ≈ HK$69,098/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$381,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,167
−HK$1,954/mo
▼ 0.25% · 3.875%
HK$37,137
−HK$984/mo
Today · 4.125%
HK$38,121
baseline
▲ 0.50% · 4.625%
HK$40,130
+HK$2,009/mo
Deposit HK$3.06M · loan HK$7.13M · min. income ≈ HK$76,242/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$381,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,799
−HK$2,621/mo
▼ 0.25% · 3.875%
HK$43,099
−HK$1,321/mo
Today · 4.125%
HK$44,420
baseline
▲ 0.50% · 4.625%
HK$47,123
+HK$2,703/mo
Deposit HK$1.02M · loan HK$9.17M · min. income ≈ HK$88,840/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,500
−HK$2,513/mo
▼ 0.25% · 3.875%
HK$47,748
−HK$1,265/mo
Today · 4.125%
HK$49,013
baseline
▲ 0.50% · 4.625%
HK$51,596
+HK$2,583/mo
Deposit HK$1.02M · loan HK$9.17M · min. income ≈ HK$98,026/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,889 · Scale 2, in force from 26 Feb 2026)