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$23,234
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$23,957
−HK$734/mo
Today · 4.125%
HK$24,691
baseline
▲ 0.50% · 4.625%
HK$26,194
+HK$1,503/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$49,382/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$382,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,848
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$26,541
−HK$703/mo
Today · 4.125%
HK$27,244
baseline
▲ 0.50% · 4.625%
HK$28,681
+HK$1,437/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$54,488/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$382,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,881
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$28,748
−HK$882/mo
Today · 4.125%
HK$29,630
baseline
▲ 0.50% · 4.625%
HK$31,432
+HK$1,802/mo
Deposit HK$4.08M · loan HK$6.11M · min. income ≈ HK$59,260/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,018
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$31,849
−HK$844/mo
Today · 4.125%
HK$32,693
baseline
▲ 0.50% · 4.625%
HK$34,417
+HK$1,724/mo
Deposit HK$4.08M · loan HK$6.11M · min. income ≈ HK$65,386/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,528
−HK$2,040/mo
▼ 0.25% · 3.875%
HK$33,540
−HK$1,028/mo
Today · 4.125%
HK$34,568
baseline
▲ 0.50% · 4.625%
HK$36,671
+HK$2,103/mo
Deposit HK$3.06M · loan HK$7.13M · min. income ≈ HK$69,136/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,187
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$37,158
−HK$984/mo
Today · 4.125%
HK$38,142
baseline
▲ 0.50% · 4.625%
HK$40,153
+HK$2,011/mo
Deposit HK$3.06M · loan HK$7.13M · min. income ≈ HK$76,284/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,822
−HK$2,622/mo
▼ 0.25% · 3.875%
HK$43,123
−HK$1,321/mo
Today · 4.125%
HK$44,444
baseline
▲ 0.50% · 4.625%
HK$47,149
+HK$2,705/mo
Deposit HK$1.02M · loan HK$9.17M · min. income ≈ HK$88,888/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,526
−HK$2,514/mo
▼ 0.25% · 3.875%
HK$47,774
−HK$1,266/mo
Today · 4.125%
HK$49,040
baseline
▲ 0.50% · 4.625%
HK$51,625
+HK$2,585/mo
Deposit HK$1.02M · loan HK$9.17M · min. income ≈ HK$98,080/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,101 · Scale 2, in force from 26 Feb 2026)