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$23,115
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$23,834
−HK$730/mo
Today · 4.125%
HK$24,564
baseline
▲ 0.50% · 4.625%
HK$26,059
+HK$1,495/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$49,128/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$380,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,715
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$26,404
−HK$700/mo
Today · 4.125%
HK$27,104
baseline
▲ 0.50% · 4.625%
HK$28,533
+HK$1,429/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$54,208/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$380,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,737
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$28,600
−HK$877/mo
Today · 4.125%
HK$29,477
baseline
▲ 0.50% · 4.625%
HK$31,270
+HK$1,793/mo
Deposit HK$4.05M · loan HK$6.08M · min. income ≈ HK$58,954/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$380,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,858
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$31,685
−HK$840/mo
Today · 4.125%
HK$32,525
baseline
▲ 0.50% · 4.625%
HK$34,239
+HK$1,714/mo
Deposit HK$4.05M · loan HK$6.08M · min. income ≈ HK$65,050/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$380,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,360
−HK$2,030/mo
▼ 0.25% · 3.875%
HK$33,367
−HK$1,023/mo
Today · 4.125%
HK$34,390
baseline
▲ 0.50% · 4.625%
HK$36,482
+HK$2,092/mo
Deposit HK$3.04M · loan HK$7.10M · min. income ≈ HK$68,780/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$380,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,001
−HK$1,945/mo
▼ 0.25% · 3.875%
HK$36,966
−HK$980/mo
Today · 4.125%
HK$37,946
baseline
▲ 0.50% · 4.625%
HK$39,946
+HK$2,000/mo
Deposit HK$3.04M · loan HK$7.10M · min. income ≈ HK$75,892/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$380,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,606
−HK$2,609/mo
▼ 0.25% · 3.875%
HK$42,900
−HK$1,315/mo
Today · 4.125%
HK$44,215
baseline
▲ 0.50% · 4.625%
HK$46,906
+HK$2,691/mo
Deposit HK$1.01M · loan HK$9.12M · min. income ≈ HK$88,430/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$380,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,286
−HK$2,501/mo
▼ 0.25% · 3.875%
HK$47,528
−HK$1,259/mo
Today · 4.125%
HK$48,787
baseline
▲ 0.50% · 4.625%
HK$51,359
+HK$2,572/mo
Deposit HK$1.01M · loan HK$9.12M · min. income ≈ HK$97,574/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$380,131 · Scale 2, in force from 26 Feb 2026)