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$23,102
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$23,820
−HK$730/mo
Today · 4.125%
HK$24,550
baseline
▲ 0.50% · 4.625%
HK$26,044
+HK$1,494/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$379,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,700
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$26,390
−HK$699/mo
Today · 4.125%
HK$27,089
baseline
▲ 0.50% · 4.625%
HK$28,517
+HK$1,428/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$54,178/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$379,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,722
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$28,584
−HK$876/mo
Today · 4.125%
HK$29,460
baseline
▲ 0.50% · 4.625%
HK$31,253
+HK$1,793/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$379,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,840
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$31,668
−HK$839/mo
Today · 4.125%
HK$32,507
baseline
▲ 0.50% · 4.625%
HK$34,220
+HK$1,713/mo
Deposit HK$4.05M · loan HK$6.08M · min. income ≈ HK$65,014/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$379,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,342
−HK$2,029/mo
▼ 0.25% · 3.875%
HK$33,348
−HK$1,023/mo
Today · 4.125%
HK$34,371
baseline
▲ 0.50% · 4.625%
HK$36,462
+HK$2,091/mo
Deposit HK$3.04M · loan HK$7.09M · min. income ≈ HK$68,742/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$379,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,981
−HK$1,943/mo
▼ 0.25% · 3.875%
HK$36,946
−HK$978/mo
Today · 4.125%
HK$37,924
baseline
▲ 0.50% · 4.625%
HK$39,924
+HK$2,000/mo
Deposit HK$3.04M · loan HK$7.09M · min. income ≈ HK$75,848/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$379,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,583
−HK$2,608/mo
▼ 0.25% · 3.875%
HK$42,877
−HK$1,314/mo
Today · 4.125%
HK$44,191
baseline
▲ 0.50% · 4.625%
HK$46,880
+HK$2,689/mo
Deposit HK$1.01M · loan HK$9.12M · min. income ≈ HK$88,382/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,261
−HK$2,499/mo
▼ 0.25% · 3.875%
HK$47,501
−HK$1,259/mo
Today · 4.125%
HK$48,760
baseline
▲ 0.50% · 4.625%
HK$51,330
+HK$2,570/mo
Deposit HK$1.01M · loan HK$9.12M · min. income ≈ HK$97,520/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,920 · Scale 2, in force from 26 Feb 2026)