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$23,067
−HK$1,447/mo
▼ 0.25% · 3.875%
HK$23,785
−HK$729/mo
Today · 4.125%
HK$24,514
baseline
▲ 0.50% · 4.625%
HK$26,005
+HK$1,491/mo
Deposit HK$5.06M · loan HK$5.06M · min. income ≈ HK$49,028/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$379,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,662
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$26,350
−HK$698/mo
Today · 4.125%
HK$27,048
baseline
▲ 0.50% · 4.625%
HK$28,474
+HK$1,426/mo
Deposit HK$5.06M · loan HK$5.06M · min. income ≈ HK$54,096/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$379,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,680
−HK$1,736/mo
▼ 0.25% · 3.875%
HK$28,541
−HK$875/mo
Today · 4.125%
HK$29,416
baseline
▲ 0.50% · 4.625%
HK$31,206
+HK$1,790/mo
Deposit HK$4.05M · loan HK$6.07M · min. income ≈ HK$58,832/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$379,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,794
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$31,620
−HK$838/mo
Today · 4.125%
HK$32,458
baseline
▲ 0.50% · 4.625%
HK$34,169
+HK$1,711/mo
Deposit HK$4.05M · loan HK$6.07M · min. income ≈ HK$64,916/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$379,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,294
−HK$2,025/mo
▼ 0.25% · 3.875%
HK$33,298
−HK$1,021/mo
Today · 4.125%
HK$34,319
baseline
▲ 0.50% · 4.625%
HK$36,407
+HK$2,088/mo
Deposit HK$3.03M · loan HK$7.08M · min. income ≈ HK$68,638/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$379,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,927
−HK$1,941/mo
▼ 0.25% · 3.875%
HK$36,890
−HK$978/mo
Today · 4.125%
HK$37,868
baseline
▲ 0.50% · 4.625%
HK$39,864
+HK$1,996/mo
Deposit HK$3.03M · loan HK$7.08M · min. income ≈ HK$75,736/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$379,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,521
−HK$2,603/mo
▼ 0.25% · 3.875%
HK$42,812
−HK$1,312/mo
Today · 4.125%
HK$44,124
baseline
▲ 0.50% · 4.625%
HK$46,809
+HK$2,685/mo
Deposit HK$1.01M · loan HK$9.10M · min. income ≈ HK$88,248/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,191
−HK$2,496/mo
▼ 0.25% · 3.875%
HK$47,430
−HK$1,257/mo
Today · 4.125%
HK$48,687
baseline
▲ 0.50% · 4.625%
HK$51,253
+HK$2,566/mo
Deposit HK$1.01M · loan HK$9.10M · min. income ≈ HK$97,374/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,350 · Scale 2, in force from 26 Feb 2026)