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$23,186
−HK$1,454/mo
▼ 0.25% · 3.875%
HK$23,907
−HK$733/mo
Today · 4.125%
HK$24,640
baseline
▲ 0.50% · 4.625%
HK$26,139
+HK$1,499/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$49,280/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$381,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,794
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$26,486
−HK$702/mo
Today · 4.125%
HK$27,188
baseline
▲ 0.50% · 4.625%
HK$28,621
+HK$1,433/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$54,376/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$381,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,823
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$28,689
−HK$879/mo
Today · 4.125%
HK$29,568
baseline
▲ 0.50% · 4.625%
HK$31,367
+HK$1,799/mo
Deposit HK$4.07M · loan HK$6.10M · min. income ≈ HK$59,136/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,953
−HK$1,673/mo
▼ 0.25% · 3.875%
HK$31,783
−HK$843/mo
Today · 4.125%
HK$32,626
baseline
▲ 0.50% · 4.625%
HK$34,345
+HK$1,719/mo
Deposit HK$4.07M · loan HK$6.10M · min. income ≈ HK$65,252/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,461
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$33,470
−HK$1,026/mo
Today · 4.125%
HK$34,496
baseline
▲ 0.50% · 4.625%
HK$36,595
+HK$2,099/mo
Deposit HK$3.05M · loan HK$7.12M · min. income ≈ HK$68,992/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$381,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,112
−HK$1,951/mo
▼ 0.25% · 3.875%
HK$37,081
−HK$982/mo
Today · 4.125%
HK$38,063
baseline
▲ 0.50% · 4.625%
HK$40,069
+HK$2,006/mo
Deposit HK$3.05M · loan HK$7.12M · min. income ≈ HK$76,126/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$381,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,735
−HK$2,617/mo
▼ 0.25% · 3.875%
HK$43,033
−HK$1,319/mo
Today · 4.125%
HK$44,352
baseline
▲ 0.50% · 4.625%
HK$47,051
+HK$2,699/mo
Deposit HK$1.02M · loan HK$9.15M · min. income ≈ HK$88,704/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,430
−HK$2,508/mo
▼ 0.25% · 3.875%
HK$47,675
−HK$1,263/mo
Today · 4.125%
HK$48,938
baseline
▲ 0.50% · 4.625%
HK$51,518
+HK$2,580/mo
Deposit HK$1.02M · loan HK$9.15M · min. income ≈ HK$97,876/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,309 · Scale 2, in force from 26 Feb 2026)