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$23,215
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$23,937
−HK$733/mo
Today · 4.125%
HK$24,670
baseline
▲ 0.50% · 4.625%
HK$26,172
+HK$1,502/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$49,340/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$381,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,826
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$26,519
−HK$702/mo
Today · 4.125%
HK$27,221
baseline
▲ 0.50% · 4.625%
HK$28,656
+HK$1,435/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$54,442/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$381,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,858
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$28,724
−HK$880/mo
Today · 4.125%
HK$29,604
baseline
▲ 0.50% · 4.625%
HK$31,406
+HK$1,802/mo
Deposit HK$4.07M · loan HK$6.11M · min. income ≈ HK$59,208/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,991
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$31,822
−HK$844/mo
Today · 4.125%
HK$32,666
baseline
▲ 0.50% · 4.625%
HK$34,387
+HK$1,721/mo
Deposit HK$4.07M · loan HK$6.11M · min. income ≈ HK$65,332/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,500
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$33,511
−HK$1,028/mo
Today · 4.125%
HK$34,539
baseline
▲ 0.50% · 4.625%
HK$36,640
+HK$2,101/mo
Deposit HK$3.05M · loan HK$7.13M · min. income ≈ HK$69,078/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$381,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,156
−HK$1,954/mo
▼ 0.25% · 3.875%
HK$37,126
−HK$984/mo
Today · 4.125%
HK$38,110
baseline
▲ 0.50% · 4.625%
HK$40,119
+HK$2,009/mo
Deposit HK$3.05M · loan HK$7.13M · min. income ≈ HK$76,220/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$381,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,786
−HK$2,621/mo
▼ 0.25% · 3.875%
HK$43,086
−HK$1,321/mo
Today · 4.125%
HK$44,407
baseline
▲ 0.50% · 4.625%
HK$47,109
+HK$2,702/mo
Deposit HK$1.02M · loan HK$9.16M · min. income ≈ HK$88,814/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,487
−HK$2,511/mo
▼ 0.25% · 3.875%
HK$47,734
−HK$1,264/mo
Today · 4.125%
HK$48,998
baseline
▲ 0.50% · 4.625%
HK$51,581
+HK$2,583/mo
Deposit HK$1.02M · loan HK$9.16M · min. income ≈ HK$97,996/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,777 · Scale 2, in force from 26 Feb 2026)