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$23,069
−HK$1,447/mo
▼ 0.25% · 3.875%
HK$23,787
−HK$729/mo
Today · 4.125%
HK$24,516
baseline
▲ 0.50% · 4.625%
HK$26,008
+HK$1,492/mo
Deposit HK$5.06M · loan HK$5.06M · min. income ≈ HK$49,032/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$379,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,664
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$26,353
−HK$698/mo
Today · 4.125%
HK$27,051
baseline
▲ 0.50% · 4.625%
HK$28,477
+HK$1,426/mo
Deposit HK$5.06M · loan HK$5.06M · min. income ≈ HK$54,102/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$379,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,683
−HK$1,736/mo
▼ 0.25% · 3.875%
HK$28,544
−HK$875/mo
Today · 4.125%
HK$29,419
baseline
▲ 0.50% · 4.625%
HK$31,209
+HK$1,790/mo
Deposit HK$4.05M · loan HK$6.07M · min. income ≈ HK$58,838/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$379,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,797
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$31,623
−HK$838/mo
Today · 4.125%
HK$32,461
baseline
▲ 0.50% · 4.625%
HK$34,172
+HK$1,711/mo
Deposit HK$4.05M · loan HK$6.07M · min. income ≈ HK$64,922/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$379,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,297
−HK$2,025/mo
▼ 0.25% · 3.875%
HK$33,302
−HK$1,020/mo
Today · 4.125%
HK$34,322
baseline
▲ 0.50% · 4.625%
HK$36,411
+HK$2,089/mo
Deposit HK$3.04M · loan HK$7.08M · min. income ≈ HK$68,644/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$379,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,930
−HK$1,941/mo
▼ 0.25% · 3.875%
HK$36,894
−HK$977/mo
Today · 4.125%
HK$37,871
baseline
▲ 0.50% · 4.625%
HK$39,868
+HK$1,997/mo
Deposit HK$3.04M · loan HK$7.08M · min. income ≈ HK$75,742/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$379,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,525
−HK$2,604/mo
▼ 0.25% · 3.875%
HK$42,816
−HK$1,313/mo
Today · 4.125%
HK$44,129
baseline
▲ 0.50% · 4.625%
HK$46,814
+HK$2,685/mo
Deposit HK$1.01M · loan HK$9.11M · min. income ≈ HK$88,258/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,196
−HK$2,496/mo
▼ 0.25% · 3.875%
HK$47,435
−HK$1,257/mo
Today · 4.125%
HK$48,692
baseline
▲ 0.50% · 4.625%
HK$51,258
+HK$2,566/mo
Deposit HK$1.01M · loan HK$9.11M · min. income ≈ HK$97,384/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,388 · Scale 2, in force from 26 Feb 2026)