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$23,207
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$23,929
−HK$733/mo
Today · 4.125%
HK$24,662
baseline
▲ 0.50% · 4.625%
HK$26,163
+HK$1,501/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$49,324/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$381,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,818
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$26,510
−HK$702/mo
Today · 4.125%
HK$27,212
baseline
▲ 0.50% · 4.625%
HK$28,647
+HK$1,435/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$54,424/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$381,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,848
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$28,715
−HK$880/mo
Today · 4.125%
HK$29,595
baseline
▲ 0.50% · 4.625%
HK$31,395
+HK$1,800/mo
Deposit HK$4.07M · loan HK$6.11M · min. income ≈ HK$59,190/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,981
−HK$1,674/mo
▼ 0.25% · 3.875%
HK$31,812
−HK$843/mo
Today · 4.125%
HK$32,655
baseline
▲ 0.50% · 4.625%
HK$34,376
+HK$1,721/mo
Deposit HK$4.07M · loan HK$6.11M · min. income ≈ HK$65,310/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,490
−HK$2,037/mo
▼ 0.25% · 3.875%
HK$33,500
−HK$1,027/mo
Today · 4.125%
HK$34,527
baseline
▲ 0.50% · 4.625%
HK$36,628
+HK$2,101/mo
Deposit HK$3.05M · loan HK$7.12M · min. income ≈ HK$69,054/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$381,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,145
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$37,114
−HK$983/mo
Today · 4.125%
HK$38,097
baseline
▲ 0.50% · 4.625%
HK$40,105
+HK$2,008/mo
Deposit HK$3.05M · loan HK$7.12M · min. income ≈ HK$76,194/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$381,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,773
−HK$2,619/mo
▼ 0.25% · 3.875%
HK$43,072
−HK$1,320/mo
Today · 4.125%
HK$44,392
baseline
▲ 0.50% · 4.625%
HK$47,093
+HK$2,701/mo
Deposit HK$1.02M · loan HK$9.16M · min. income ≈ HK$88,784/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,472
−HK$2,510/mo
▼ 0.25% · 3.875%
HK$47,718
−HK$1,264/mo
Today · 4.125%
HK$48,982
baseline
▲ 0.50% · 4.625%
HK$51,564
+HK$2,582/mo
Deposit HK$1.02M · loan HK$9.16M · min. income ≈ HK$97,964/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,651 · Scale 2, in force from 26 Feb 2026)