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$23,167
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$23,887
−HK$732/mo
Today · 4.125%
HK$24,619
baseline
▲ 0.50% · 4.625%
HK$26,117
+HK$1,498/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$49,238/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$380,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,773
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$26,464
−HK$701/mo
Today · 4.125%
HK$27,165
baseline
▲ 0.50% · 4.625%
HK$28,597
+HK$1,432/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$54,330/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$380,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,800
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$28,665
−HK$878/mo
Today · 4.125%
HK$29,543
baseline
▲ 0.50% · 4.625%
HK$31,341
+HK$1,798/mo
Deposit HK$4.06M · loan HK$6.10M · min. income ≈ HK$59,086/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,927
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$31,756
−HK$842/mo
Today · 4.125%
HK$32,598
baseline
▲ 0.50% · 4.625%
HK$34,316
+HK$1,718/mo
Deposit HK$4.06M · loan HK$6.10M · min. income ≈ HK$65,196/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,433
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$33,442
−HK$1,025/mo
Today · 4.125%
HK$34,467
baseline
▲ 0.50% · 4.625%
HK$36,564
+HK$2,097/mo
Deposit HK$3.05M · loan HK$7.11M · min. income ≈ HK$68,934/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$380,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,082
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$37,049
−HK$982/mo
Today · 4.125%
HK$38,031
baseline
▲ 0.50% · 4.625%
HK$40,036
+HK$2,005/mo
Deposit HK$3.05M · loan HK$7.11M · min. income ≈ HK$76,062/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$380,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,700
−HK$2,615/mo
▼ 0.25% · 3.875%
HK$42,997
−HK$1,318/mo
Today · 4.125%
HK$44,315
baseline
▲ 0.50% · 4.625%
HK$47,011
+HK$2,696/mo
Deposit HK$1.02M · loan HK$9.14M · min. income ≈ HK$88,630/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$380,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,391
−HK$2,506/mo
▼ 0.25% · 3.875%
HK$47,635
−HK$1,262/mo
Today · 4.125%
HK$48,897
baseline
▲ 0.50% · 4.625%
HK$51,474
+HK$2,577/mo
Deposit HK$1.02M · loan HK$9.14M · min. income ≈ HK$97,794/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$380,986 · Scale 2, in force from 26 Feb 2026)