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$23,109
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$23,828
−HK$730/mo
Today · 4.125%
HK$24,558
baseline
▲ 0.50% · 4.625%
HK$26,052
+HK$1,494/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$49,116/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$380,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,708
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$26,398
−HK$699/mo
Today · 4.125%
HK$27,097
baseline
▲ 0.50% · 4.625%
HK$28,526
+HK$1,429/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$54,194/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$380,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,731
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$28,593
−HK$876/mo
Today · 4.125%
HK$29,469
baseline
▲ 0.50% · 4.625%
HK$31,263
+HK$1,794/mo
Deposit HK$4.05M · loan HK$6.08M · min. income ≈ HK$58,938/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$380,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,850
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$31,677
−HK$840/mo
Today · 4.125%
HK$32,517
baseline
▲ 0.50% · 4.625%
HK$34,231
+HK$1,714/mo
Deposit HK$4.05M · loan HK$6.08M · min. income ≈ HK$65,034/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$380,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,352
−HK$2,029/mo
▼ 0.25% · 3.875%
HK$33,359
−HK$1,022/mo
Today · 4.125%
HK$34,381
baseline
▲ 0.50% · 4.625%
HK$36,473
+HK$2,092/mo
Deposit HK$3.04M · loan HK$7.09M · min. income ≈ HK$68,762/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$380,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,992
−HK$1,944/mo
▼ 0.25% · 3.875%
HK$36,957
−HK$979/mo
Today · 4.125%
HK$37,936
baseline
▲ 0.50% · 4.625%
HK$39,936
+HK$2,000/mo
Deposit HK$3.04M · loan HK$7.09M · min. income ≈ HK$75,872/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$380,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,596
−HK$2,608/mo
▼ 0.25% · 3.875%
HK$42,890
−HK$1,314/mo
Today · 4.125%
HK$44,204
baseline
▲ 0.50% · 4.625%
HK$46,894
+HK$2,690/mo
Deposit HK$1.01M · loan HK$9.12M · min. income ≈ HK$88,408/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$380,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,275
−HK$2,500/mo
▼ 0.25% · 3.875%
HK$47,516
−HK$1,259/mo
Today · 4.125%
HK$48,775
baseline
▲ 0.50% · 4.625%
HK$51,346
+HK$2,571/mo
Deposit HK$1.01M · loan HK$9.12M · min. income ≈ HK$97,550/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$380,036 · Scale 2, in force from 26 Feb 2026)