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$23,193
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$23,915
−HK$733/mo
Today · 4.125%
HK$24,648
baseline
▲ 0.50% · 4.625%
HK$26,148
+HK$1,500/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$49,296/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$381,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,802
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$26,494
−HK$702/mo
Today · 4.125%
HK$27,196
baseline
▲ 0.50% · 4.625%
HK$28,630
+HK$1,434/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$54,392/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$381,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,832
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$28,698
−HK$879/mo
Today · 4.125%
HK$29,577
baseline
▲ 0.50% · 4.625%
HK$31,377
+HK$1,800/mo
Deposit HK$4.07M · loan HK$6.10M · min. income ≈ HK$59,154/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,963
−HK$1,673/mo
▼ 0.25% · 3.875%
HK$31,793
−HK$843/mo
Today · 4.125%
HK$32,636
baseline
▲ 0.50% · 4.625%
HK$34,356
+HK$1,720/mo
Deposit HK$4.07M · loan HK$6.10M · min. income ≈ HK$65,272/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,471
−HK$2,036/mo
▼ 0.25% · 3.875%
HK$33,481
−HK$1,026/mo
Today · 4.125%
HK$34,507
baseline
▲ 0.50% · 4.625%
HK$36,607
+HK$2,100/mo
Deposit HK$3.05M · loan HK$7.12M · min. income ≈ HK$69,014/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$381,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,123
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$37,092
−HK$983/mo
Today · 4.125%
HK$38,075
baseline
▲ 0.50% · 4.625%
HK$40,082
+HK$2,007/mo
Deposit HK$3.05M · loan HK$7.12M · min. income ≈ HK$76,150/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$381,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,748
−HK$2,618/mo
▼ 0.25% · 3.875%
HK$43,047
−HK$1,319/mo
Today · 4.125%
HK$44,366
baseline
▲ 0.50% · 4.625%
HK$47,066
+HK$2,700/mo
Deposit HK$1.02M · loan HK$9.15M · min. income ≈ HK$88,732/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,444
−HK$2,510/mo
▼ 0.25% · 3.875%
HK$47,690
−HK$1,264/mo
Today · 4.125%
HK$48,954
baseline
▲ 0.50% · 4.625%
HK$51,534
+HK$2,580/mo
Deposit HK$1.02M · loan HK$9.15M · min. income ≈ HK$97,908/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,428 · Scale 2, in force from 26 Feb 2026)