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$23,055
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$23,772
−HK$729/mo
Today · 4.125%
HK$24,501
baseline
▲ 0.50% · 4.625%
HK$25,992
+HK$1,491/mo
Deposit HK$5.06M · loan HK$5.06M · min. income ≈ HK$49,002/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$379,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,649
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$26,337
−HK$697/mo
Today · 4.125%
HK$27,034
baseline
▲ 0.50% · 4.625%
HK$28,459
+HK$1,425/mo
Deposit HK$5.06M · loan HK$5.06M · min. income ≈ HK$54,068/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$379,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,666
−HK$1,735/mo
▼ 0.25% · 3.875%
HK$28,527
−HK$874/mo
Today · 4.125%
HK$29,401
baseline
▲ 0.50% · 4.625%
HK$31,190
+HK$1,789/mo
Deposit HK$4.04M · loan HK$6.07M · min. income ≈ HK$58,802/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$379,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,778
−HK$1,663/mo
▼ 0.25% · 3.875%
HK$31,604
−HK$837/mo
Today · 4.125%
HK$32,441
baseline
▲ 0.50% · 4.625%
HK$34,151
+HK$1,710/mo
Deposit HK$4.04M · loan HK$6.07M · min. income ≈ HK$64,882/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$379,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,277
−HK$2,024/mo
▼ 0.25% · 3.875%
HK$33,281
−HK$1,020/mo
Today · 4.125%
HK$34,301
baseline
▲ 0.50% · 4.625%
HK$36,389
+HK$2,088/mo
Deposit HK$3.03M · loan HK$7.08M · min. income ≈ HK$68,602/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$379,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,908
−HK$1,940/mo
▼ 0.25% · 3.875%
HK$36,871
−HK$977/mo
Today · 4.125%
HK$37,848
baseline
▲ 0.50% · 4.625%
HK$39,843
+HK$1,995/mo
Deposit HK$3.03M · loan HK$7.08M · min. income ≈ HK$75,696/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$379,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,499
−HK$2,603/mo
▼ 0.25% · 3.875%
HK$42,790
−HK$1,312/mo
Today · 4.125%
HK$44,102
baseline
▲ 0.50% · 4.625%
HK$46,785
+HK$2,683/mo
Deposit HK$1.01M · loan HK$9.10M · min. income ≈ HK$88,204/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,168
−HK$2,494/mo
▼ 0.25% · 3.875%
HK$47,406
−HK$1,256/mo
Today · 4.125%
HK$48,662
baseline
▲ 0.50% · 4.625%
HK$51,227
+HK$2,565/mo
Deposit HK$1.01M · loan HK$9.10M · min. income ≈ HK$97,324/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,156 · Scale 2, in force from 26 Feb 2026)