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$23,100
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$23,818
−HK$731/mo
Today · 4.125%
HK$24,549
baseline
▲ 0.50% · 4.625%
HK$26,042
+HK$1,493/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$49,098/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$379,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,698
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$26,388
−HK$699/mo
Today · 4.125%
HK$27,087
baseline
▲ 0.50% · 4.625%
HK$28,515
+HK$1,428/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$54,174/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$379,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,720
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$28,582
−HK$876/mo
Today · 4.125%
HK$29,458
baseline
▲ 0.50% · 4.625%
HK$31,251
+HK$1,793/mo
Deposit HK$4.05M · loan HK$6.08M · min. income ≈ HK$58,916/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$379,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,838
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$31,665
−HK$839/mo
Today · 4.125%
HK$32,504
baseline
▲ 0.50% · 4.625%
HK$34,218
+HK$1,714/mo
Deposit HK$4.05M · loan HK$6.08M · min. income ≈ HK$65,008/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$379,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,340
−HK$2,028/mo
▼ 0.25% · 3.875%
HK$33,346
−HK$1,022/mo
Today · 4.125%
HK$34,368
baseline
▲ 0.50% · 4.625%
HK$36,459
+HK$2,091/mo
Deposit HK$3.04M · loan HK$7.09M · min. income ≈ HK$68,736/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$379,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,978
−HK$1,944/mo
▼ 0.25% · 3.875%
HK$36,943
−HK$979/mo
Today · 4.125%
HK$37,922
baseline
▲ 0.50% · 4.625%
HK$39,920
+HK$1,998/mo
Deposit HK$3.04M · loan HK$7.09M · min. income ≈ HK$75,844/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$379,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,580
−HK$2,607/mo
▼ 0.25% · 3.875%
HK$42,873
−HK$1,314/mo
Today · 4.125%
HK$44,187
baseline
▲ 0.50% · 4.625%
HK$46,876
+HK$2,689/mo
Deposit HK$1.01M · loan HK$9.12M · min. income ≈ HK$88,374/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,257
−HK$2,499/mo
▼ 0.25% · 3.875%
HK$47,498
−HK$1,258/mo
Today · 4.125%
HK$48,756
baseline
▲ 0.50% · 4.625%
HK$51,326
+HK$2,570/mo
Deposit HK$1.01M · loan HK$9.12M · min. income ≈ HK$97,512/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,891 · Scale 2, in force from 26 Feb 2026)