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$23,101
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$23,820
−HK$730/mo
Today · 4.125%
HK$24,550
baseline
▲ 0.50% · 4.625%
HK$26,043
+HK$1,493/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$49,100/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$379,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,700
−HK$1,388/mo
▼ 0.25% · 3.875%
HK$26,389
−HK$699/mo
Today · 4.125%
HK$27,088
baseline
▲ 0.50% · 4.625%
HK$28,516
+HK$1,428/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$54,176/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$379,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,721
−HK$1,739/mo
▼ 0.25% · 3.875%
HK$28,584
−HK$876/mo
Today · 4.125%
HK$29,460
baseline
▲ 0.50% · 4.625%
HK$31,252
+HK$1,792/mo
Deposit HK$4.05M · loan HK$6.08M · min. income ≈ HK$58,920/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$379,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,840
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$31,667
−HK$839/mo
Today · 4.125%
HK$32,506
baseline
▲ 0.50% · 4.625%
HK$34,219
+HK$1,713/mo
Deposit HK$4.05M · loan HK$6.08M · min. income ≈ HK$65,012/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$379,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,341
−HK$2,029/mo
▼ 0.25% · 3.875%
HK$33,347
−HK$1,023/mo
Today · 4.125%
HK$34,370
baseline
▲ 0.50% · 4.625%
HK$36,461
+HK$2,091/mo
Deposit HK$3.04M · loan HK$7.09M · min. income ≈ HK$68,740/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$379,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,980
−HK$1,943/mo
▼ 0.25% · 3.875%
HK$36,944
−HK$979/mo
Today · 4.125%
HK$37,923
baseline
▲ 0.50% · 4.625%
HK$39,922
+HK$1,999/mo
Deposit HK$3.04M · loan HK$7.09M · min. income ≈ HK$75,846/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$379,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,582
−HK$2,607/mo
▼ 0.25% · 3.875%
HK$42,875
−HK$1,314/mo
Today · 4.125%
HK$44,189
baseline
▲ 0.50% · 4.625%
HK$46,878
+HK$2,689/mo
Deposit HK$1.01M · loan HK$9.12M · min. income ≈ HK$88,378/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,259
−HK$2,500/mo
▼ 0.25% · 3.875%
HK$47,500
−HK$1,259/mo
Today · 4.125%
HK$48,759
baseline
▲ 0.50% · 4.625%
HK$51,329
+HK$2,570/mo
Deposit HK$1.01M · loan HK$9.12M · min. income ≈ HK$97,518/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,909 · Scale 2, in force from 26 Feb 2026)