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$23,058
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$23,775
−HK$729/mo
Today · 4.125%
HK$24,504
baseline
▲ 0.50% · 4.625%
HK$25,995
+HK$1,491/mo
Deposit HK$5.06M · loan HK$5.06M · min. income ≈ HK$49,008/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$379,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,652
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$26,340
−HK$698/mo
Today · 4.125%
HK$27,038
baseline
▲ 0.50% · 4.625%
HK$28,463
+HK$1,425/mo
Deposit HK$5.06M · loan HK$5.06M · min. income ≈ HK$54,076/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$379,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,670
−HK$1,735/mo
▼ 0.25% · 3.875%
HK$28,531
−HK$874/mo
Today · 4.125%
HK$29,405
baseline
▲ 0.50% · 4.625%
HK$31,194
+HK$1,789/mo
Deposit HK$4.04M · loan HK$6.07M · min. income ≈ HK$58,810/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$379,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,782
−HK$1,663/mo
▼ 0.25% · 3.875%
HK$31,608
−HK$837/mo
Today · 4.125%
HK$32,445
baseline
▲ 0.50% · 4.625%
HK$34,156
+HK$1,711/mo
Deposit HK$4.04M · loan HK$6.07M · min. income ≈ HK$64,890/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$379,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,281
−HK$2,025/mo
▼ 0.25% · 3.875%
HK$33,286
−HK$1,020/mo
Today · 4.125%
HK$34,306
baseline
▲ 0.50% · 4.625%
HK$36,393
+HK$2,087/mo
Deposit HK$3.03M · loan HK$7.08M · min. income ≈ HK$68,612/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$379,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,913
−HK$1,940/mo
▼ 0.25% · 3.875%
HK$36,876
−HK$977/mo
Today · 4.125%
HK$37,853
baseline
▲ 0.50% · 4.625%
HK$39,848
+HK$1,995/mo
Deposit HK$3.03M · loan HK$7.08M · min. income ≈ HK$75,706/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$379,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,505
−HK$2,602/mo
▼ 0.25% · 3.875%
HK$42,796
−HK$1,311/mo
Today · 4.125%
HK$44,107
baseline
▲ 0.50% · 4.625%
HK$46,791
+HK$2,684/mo
Deposit HK$1.01M · loan HK$9.10M · min. income ≈ HK$88,214/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,174
−HK$2,494/mo
▼ 0.25% · 3.875%
HK$47,412
−HK$1,256/mo
Today · 4.125%
HK$48,668
baseline
▲ 0.50% · 4.625%
HK$51,234
+HK$2,566/mo
Deposit HK$1.01M · loan HK$9.10M · min. income ≈ HK$97,336/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,204 · Scale 2, in force from 26 Feb 2026)