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$23,120
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$23,840
−HK$730/mo
Today · 4.125%
HK$24,570
baseline
▲ 0.50% · 4.625%
HK$26,065
+HK$1,495/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$49,140/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$380,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,721
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$26,411
−HK$700/mo
Today · 4.125%
HK$27,111
baseline
▲ 0.50% · 4.625%
HK$28,540
+HK$1,429/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$54,222/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$380,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,744
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$28,607
−HK$877/mo
Today · 4.125%
HK$29,484
baseline
▲ 0.50% · 4.625%
HK$31,278
+HK$1,794/mo
Deposit HK$4.06M · loan HK$6.08M · min. income ≈ HK$58,968/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,865
−HK$1,668/mo
▼ 0.25% · 3.875%
HK$31,693
−HK$840/mo
Today · 4.125%
HK$32,533
baseline
▲ 0.50% · 4.625%
HK$34,248
+HK$1,715/mo
Deposit HK$4.06M · loan HK$6.08M · min. income ≈ HK$65,066/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,369
−HK$2,029/mo
▼ 0.25% · 3.875%
HK$33,375
−HK$1,023/mo
Today · 4.125%
HK$34,398
baseline
▲ 0.50% · 4.625%
HK$36,491
+HK$2,093/mo
Deposit HK$3.04M · loan HK$7.10M · min. income ≈ HK$68,796/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$380,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,010
−HK$1,945/mo
▼ 0.25% · 3.875%
HK$36,975
−HK$980/mo
Today · 4.125%
HK$37,955
baseline
▲ 0.50% · 4.625%
HK$39,956
+HK$2,001/mo
Deposit HK$3.04M · loan HK$7.10M · min. income ≈ HK$75,910/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$380,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,617
−HK$2,609/mo
▼ 0.25% · 3.875%
HK$42,911
−HK$1,315/mo
Today · 4.125%
HK$44,226
baseline
▲ 0.50% · 4.625%
HK$46,917
+HK$2,691/mo
Deposit HK$1.01M · loan HK$9.13M · min. income ≈ HK$88,452/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$380,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,298
−HK$2,501/mo
▼ 0.25% · 3.875%
HK$47,540
−HK$1,259/mo
Today · 4.125%
HK$48,799
baseline
▲ 0.50% · 4.625%
HK$51,372
+HK$2,573/mo
Deposit HK$1.01M · loan HK$9.13M · min. income ≈ HK$97,598/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$380,227 · Scale 2, in force from 26 Feb 2026)