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$23,081
−HK$1,447/mo
▼ 0.25% · 3.875%
HK$23,799
−HK$729/mo
Today · 4.125%
HK$24,528
baseline
▲ 0.50% · 4.625%
HK$26,021
+HK$1,493/mo
Deposit HK$5.06M · loan HK$5.06M · min. income ≈ HK$49,056/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$379,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,677
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$26,366
−HK$698/mo
Today · 4.125%
HK$27,064
baseline
▲ 0.50% · 4.625%
HK$28,491
+HK$1,427/mo
Deposit HK$5.06M · loan HK$5.06M · min. income ≈ HK$54,128/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$379,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,697
−HK$1,737/mo
▼ 0.25% · 3.875%
HK$28,559
−HK$875/mo
Today · 4.125%
HK$29,434
baseline
▲ 0.50% · 4.625%
HK$31,225
+HK$1,791/mo
Deposit HK$4.05M · loan HK$6.07M · min. income ≈ HK$58,868/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$379,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,813
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$31,639
−HK$838/mo
Today · 4.125%
HK$32,477
baseline
▲ 0.50% · 4.625%
HK$34,189
+HK$1,712/mo
Deposit HK$4.05M · loan HK$6.07M · min. income ≈ HK$64,954/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$379,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,313
−HK$2,027/mo
▼ 0.25% · 3.875%
HK$33,318
−HK$1,022/mo
Today · 4.125%
HK$34,340
baseline
▲ 0.50% · 4.625%
HK$36,429
+HK$2,089/mo
Deposit HK$3.04M · loan HK$7.09M · min. income ≈ HK$68,680/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$379,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,948
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$36,912
−HK$978/mo
Today · 4.125%
HK$37,890
baseline
▲ 0.50% · 4.625%
HK$39,888
+HK$1,998/mo
Deposit HK$3.04M · loan HK$7.09M · min. income ≈ HK$75,780/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$379,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,546
−HK$2,605/mo
▼ 0.25% · 3.875%
HK$42,838
−HK$1,313/mo
Today · 4.125%
HK$44,151
baseline
▲ 0.50% · 4.625%
HK$46,837
+HK$2,686/mo
Deposit HK$1.01M · loan HK$9.11M · min. income ≈ HK$88,302/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,219
−HK$2,497/mo
▼ 0.25% · 3.875%
HK$47,459
−HK$1,257/mo
Today · 4.125%
HK$48,716
baseline
▲ 0.50% · 4.625%
HK$51,284
+HK$2,568/mo
Deposit HK$1.01M · loan HK$9.11M · min. income ≈ HK$97,432/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,577 · Scale 2, in force from 26 Feb 2026)