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$23,180
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$23,901
−HK$732/mo
Today · 4.125%
HK$24,633
baseline
▲ 0.50% · 4.625%
HK$26,132
+HK$1,499/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$49,266/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$381,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,787
−HK$1,393/mo
▼ 0.25% · 3.875%
HK$26,479
−HK$701/mo
Today · 4.125%
HK$27,180
baseline
▲ 0.50% · 4.625%
HK$28,613
+HK$1,433/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$54,360/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$381,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,815
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$28,681
−HK$879/mo
Today · 4.125%
HK$29,560
baseline
▲ 0.50% · 4.625%
HK$31,358
+HK$1,798/mo
Deposit HK$4.07M · loan HK$6.10M · min. income ≈ HK$59,120/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,944
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$31,774
−HK$842/mo
Today · 4.125%
HK$32,616
baseline
▲ 0.50% · 4.625%
HK$34,335
+HK$1,719/mo
Deposit HK$4.07M · loan HK$6.10M · min. income ≈ HK$65,232/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,451
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$33,461
−HK$1,025/mo
Today · 4.125%
HK$34,486
baseline
▲ 0.50% · 4.625%
HK$36,585
+HK$2,099/mo
Deposit HK$3.05M · loan HK$7.12M · min. income ≈ HK$68,972/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$381,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,102
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$37,070
−HK$982/mo
Today · 4.125%
HK$38,052
baseline
▲ 0.50% · 4.625%
HK$40,058
+HK$2,006/mo
Deposit HK$3.05M · loan HK$7.12M · min. income ≈ HK$76,104/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$381,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,723
−HK$2,617/mo
▼ 0.25% · 3.875%
HK$43,021
−HK$1,319/mo
Today · 4.125%
HK$44,340
baseline
▲ 0.50% · 4.625%
HK$47,038
+HK$2,698/mo
Deposit HK$1.02M · loan HK$9.15M · min. income ≈ HK$88,680/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,417
−HK$2,507/mo
▼ 0.25% · 3.875%
HK$47,661
−HK$1,263/mo
Today · 4.125%
HK$48,924
baseline
▲ 0.50% · 4.625%
HK$51,503
+HK$2,579/mo
Deposit HK$1.02M · loan HK$9.15M · min. income ≈ HK$97,848/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,200 · Scale 2, in force from 26 Feb 2026)