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$23,113
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$23,832
−HK$731/mo
Today · 4.125%
HK$24,563
baseline
▲ 0.50% · 4.625%
HK$26,057
+HK$1,494/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$49,126/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$380,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,713
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$26,403
−HK$700/mo
Today · 4.125%
HK$27,103
baseline
▲ 0.50% · 4.625%
HK$28,531
+HK$1,428/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$54,206/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$380,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,736
−HK$1,739/mo
▼ 0.25% · 3.875%
HK$28,599
−HK$876/mo
Today · 4.125%
HK$29,475
baseline
▲ 0.50% · 4.625%
HK$31,269
+HK$1,794/mo
Deposit HK$4.05M · loan HK$6.08M · min. income ≈ HK$58,950/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$380,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,856
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$31,684
−HK$839/mo
Today · 4.125%
HK$32,523
baseline
▲ 0.50% · 4.625%
HK$34,237
+HK$1,714/mo
Deposit HK$4.05M · loan HK$6.08M · min. income ≈ HK$65,046/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$380,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,359
−HK$2,029/mo
▼ 0.25% · 3.875%
HK$33,365
−HK$1,023/mo
Today · 4.125%
HK$34,388
baseline
▲ 0.50% · 4.625%
HK$36,480
+HK$2,092/mo
Deposit HK$3.04M · loan HK$7.10M · min. income ≈ HK$68,776/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$380,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,999
−HK$1,945/mo
▼ 0.25% · 3.875%
HK$36,964
−HK$980/mo
Today · 4.125%
HK$37,944
baseline
▲ 0.50% · 4.625%
HK$39,944
+HK$2,000/mo
Deposit HK$3.04M · loan HK$7.10M · min. income ≈ HK$75,888/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$380,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,604
−HK$2,609/mo
▼ 0.25% · 3.875%
HK$42,898
−HK$1,315/mo
Today · 4.125%
HK$44,213
baseline
▲ 0.50% · 4.625%
HK$46,903
+HK$2,690/mo
Deposit HK$1.01M · loan HK$9.12M · min. income ≈ HK$88,426/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$380,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,284
−HK$2,501/mo
▼ 0.25% · 3.875%
HK$47,525
−HK$1,260/mo
Today · 4.125%
HK$48,785
baseline
▲ 0.50% · 4.625%
HK$51,356
+HK$2,571/mo
Deposit HK$1.01M · loan HK$9.12M · min. income ≈ HK$97,570/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$380,112 · Scale 2, in force from 26 Feb 2026)