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$1,453/mo
▼ 0.25% · 3.875%
HK$23,889
−HK$732/mo
Today · 4.125%
HK$24,621
baseline
▲ 0.50% · 4.625%
HK$26,119
+HK$1,498/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$49,242/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$381,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,775
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$26,466
−HK$701/mo
Today · 4.125%
HK$27,167
baseline
▲ 0.50% · 4.625%
HK$28,599
+HK$1,432/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$54,334/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$381,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,802
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$28,667
−HK$879/mo
Today · 4.125%
HK$29,546
baseline
▲ 0.50% · 4.625%
HK$31,343
+HK$1,797/mo
Deposit HK$4.06M · loan HK$6.10M · min. income ≈ HK$59,092/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,930
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$31,759
−HK$842/mo
Today · 4.125%
HK$32,601
baseline
▲ 0.50% · 4.625%
HK$34,319
+HK$1,718/mo
Deposit HK$4.06M · loan HK$6.10M · min. income ≈ HK$65,202/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,436
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$33,445
−HK$1,025/mo
Today · 4.125%
HK$34,470
baseline
▲ 0.50% · 4.625%
HK$36,567
+HK$2,097/mo
Deposit HK$3.05M · loan HK$7.11M · min. income ≈ HK$68,940/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$381,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,084
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$37,052
−HK$982/mo
Today · 4.125%
HK$38,034
baseline
▲ 0.50% · 4.625%
HK$40,039
+HK$2,005/mo
Deposit HK$3.05M · loan HK$7.11M · min. income ≈ HK$76,068/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$381,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,703
−HK$2,615/mo
▼ 0.25% · 3.875%
HK$43,000
−HK$1,318/mo
Today · 4.125%
HK$44,318
baseline
▲ 0.50% · 4.625%
HK$47,015
+HK$2,697/mo
Deposit HK$1.02M · loan HK$9.14M · min. income ≈ HK$88,636/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,394
−HK$2,507/mo
▼ 0.25% · 3.875%
HK$47,639
−HK$1,262/mo
Today · 4.125%
HK$48,901
baseline
▲ 0.50% · 4.625%
HK$51,479
+HK$2,578/mo
Deposit HK$1.02M · loan HK$9.14M · min. income ≈ HK$97,802/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,017 · Scale 2, in force from 26 Feb 2026)