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$23,102
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$23,821
−HK$730/mo
Today · 4.125%
HK$24,551
baseline
▲ 0.50% · 4.625%
HK$26,045
+HK$1,494/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$49,102/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$379,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,701
−HK$1,388/mo
▼ 0.25% · 3.875%
HK$26,390
−HK$699/mo
Today · 4.125%
HK$27,089
baseline
▲ 0.50% · 4.625%
HK$28,517
+HK$1,428/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$54,178/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$379,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,722
−HK$1,739/mo
▼ 0.25% · 3.875%
HK$28,585
−HK$876/mo
Today · 4.125%
HK$29,461
baseline
▲ 0.50% · 4.625%
HK$31,254
+HK$1,793/mo
Deposit HK$4.05M · loan HK$6.08M · min. income ≈ HK$58,922/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$379,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,841
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$31,668
−HK$839/mo
Today · 4.125%
HK$32,507
baseline
▲ 0.50% · 4.625%
HK$34,221
+HK$1,714/mo
Deposit HK$4.05M · loan HK$6.08M · min. income ≈ HK$65,014/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$379,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,343
−HK$2,028/mo
▼ 0.25% · 3.875%
HK$33,349
−HK$1,022/mo
Today · 4.125%
HK$34,371
baseline
▲ 0.50% · 4.625%
HK$36,462
+HK$2,091/mo
Deposit HK$3.04M · loan HK$7.09M · min. income ≈ HK$68,742/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$379,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,981
−HK$1,944/mo
▼ 0.25% · 3.875%
HK$36,946
−HK$979/mo
Today · 4.125%
HK$37,925
baseline
▲ 0.50% · 4.625%
HK$39,924
+HK$1,999/mo
Deposit HK$3.04M · loan HK$7.09M · min. income ≈ HK$75,850/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$379,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,584
−HK$2,607/mo
▼ 0.25% · 3.875%
HK$42,877
−HK$1,314/mo
Today · 4.125%
HK$44,191
baseline
▲ 0.50% · 4.625%
HK$46,880
+HK$2,689/mo
Deposit HK$1.01M · loan HK$9.12M · min. income ≈ HK$88,382/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,261
−HK$2,500/mo
▼ 0.25% · 3.875%
HK$47,502
−HK$1,259/mo
Today · 4.125%
HK$48,761
baseline
▲ 0.50% · 4.625%
HK$51,331
+HK$2,570/mo
Deposit HK$1.01M · loan HK$9.12M · min. income ≈ HK$97,522/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,926 · Scale 2, in force from 26 Feb 2026)