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$23,157
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$23,877
−HK$732/mo
Today · 4.125%
HK$24,609
baseline
▲ 0.50% · 4.625%
HK$26,106
+HK$1,497/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$49,218/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$380,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,762
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$26,453
−HK$701/mo
Today · 4.125%
HK$27,154
baseline
▲ 0.50% · 4.625%
HK$28,585
+HK$1,431/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$54,308/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$380,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,788
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$28,653
−HK$878/mo
Today · 4.125%
HK$29,531
baseline
▲ 0.50% · 4.625%
HK$31,328
+HK$1,797/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$59,062/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,914
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$31,743
−HK$841/mo
Today · 4.125%
HK$32,584
baseline
▲ 0.50% · 4.625%
HK$34,302
+HK$1,718/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$65,168/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,419
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$33,428
−HK$1,024/mo
Today · 4.125%
HK$34,452
baseline
▲ 0.50% · 4.625%
HK$36,549
+HK$2,097/mo
Deposit HK$3.05M · loan HK$7.11M · min. income ≈ HK$68,904/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$380,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,066
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$37,034
−HK$981/mo
Today · 4.125%
HK$38,015
baseline
▲ 0.50% · 4.625%
HK$40,019
+HK$2,004/mo
Deposit HK$3.05M · loan HK$7.11M · min. income ≈ HK$76,030/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$380,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,682
−HK$2,614/mo
▼ 0.25% · 3.875%
HK$42,979
−HK$1,317/mo
Today · 4.125%
HK$44,296
baseline
▲ 0.50% · 4.625%
HK$46,991
+HK$2,695/mo
Deposit HK$1.02M · loan HK$9.14M · min. income ≈ HK$88,592/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$380,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,371
−HK$2,505/mo
▼ 0.25% · 3.875%
HK$47,615
−HK$1,261/mo
Today · 4.125%
HK$48,876
baseline
▲ 0.50% · 4.625%
HK$51,453
+HK$2,577/mo
Deposit HK$1.02M · loan HK$9.14M · min. income ≈ HK$97,752/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$380,826 · Scale 2, in force from 26 Feb 2026)