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$23,168
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$23,888
−HK$732/mo
Today · 4.125%
HK$24,620
baseline
▲ 0.50% · 4.625%
HK$26,119
+HK$1,499/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$49,240/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$381,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,774
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$26,465
−HK$701/mo
Today · 4.125%
HK$27,166
baseline
▲ 0.50% · 4.625%
HK$28,598
+HK$1,432/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$54,332/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$381,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,801
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$28,666
−HK$879/mo
Today · 4.125%
HK$29,545
baseline
▲ 0.50% · 4.625%
HK$31,342
+HK$1,797/mo
Deposit HK$4.06M · loan HK$6.10M · min. income ≈ HK$59,090/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,929
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$31,758
−HK$841/mo
Today · 4.125%
HK$32,599
baseline
▲ 0.50% · 4.625%
HK$34,318
+HK$1,719/mo
Deposit HK$4.06M · loan HK$6.10M · min. income ≈ HK$65,198/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,435
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$33,444
−HK$1,025/mo
Today · 4.125%
HK$34,469
baseline
▲ 0.50% · 4.625%
HK$36,566
+HK$2,097/mo
Deposit HK$3.05M · loan HK$7.11M · min. income ≈ HK$68,938/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$381,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,083
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$37,051
−HK$982/mo
Today · 4.125%
HK$38,033
baseline
▲ 0.50% · 4.625%
HK$40,038
+HK$2,005/mo
Deposit HK$3.05M · loan HK$7.11M · min. income ≈ HK$76,066/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$381,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,702
−HK$2,615/mo
▼ 0.25% · 3.875%
HK$42,999
−HK$1,318/mo
Today · 4.125%
HK$44,317
baseline
▲ 0.50% · 4.625%
HK$47,013
+HK$2,696/mo
Deposit HK$1.02M · loan HK$9.14M · min. income ≈ HK$88,634/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,393
−HK$2,506/mo
▼ 0.25% · 3.875%
HK$47,637
−HK$1,262/mo
Today · 4.125%
HK$48,899
baseline
▲ 0.50% · 4.625%
HK$51,477
+HK$2,578/mo
Deposit HK$1.02M · loan HK$9.14M · min. income ≈ HK$97,798/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,004 · Scale 2, in force from 26 Feb 2026)