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$23,235
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$23,958
−HK$734/mo
Today · 4.125%
HK$24,692
baseline
▲ 0.50% · 4.625%
HK$26,195
+HK$1,503/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$49,384/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$382,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,849
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$26,542
−HK$703/mo
Today · 4.125%
HK$27,245
baseline
▲ 0.50% · 4.625%
HK$28,681
+HK$1,436/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$54,490/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$382,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,882
−HK$1,748/mo
▼ 0.25% · 3.875%
HK$28,749
−HK$881/mo
Today · 4.125%
HK$29,630
baseline
▲ 0.50% · 4.625%
HK$31,433
+HK$1,803/mo
Deposit HK$4.08M · loan HK$6.11M · min. income ≈ HK$59,260/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,018
−HK$1,676/mo
▼ 0.25% · 3.875%
HK$31,850
−HK$844/mo
Today · 4.125%
HK$32,694
baseline
▲ 0.50% · 4.625%
HK$34,418
+HK$1,724/mo
Deposit HK$4.08M · loan HK$6.11M · min. income ≈ HK$65,388/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,529
−HK$2,040/mo
▼ 0.25% · 3.875%
HK$33,541
−HK$1,028/mo
Today · 4.125%
HK$34,569
baseline
▲ 0.50% · 4.625%
HK$36,672
+HK$2,103/mo
Deposit HK$3.06M · loan HK$7.13M · min. income ≈ HK$69,138/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,188
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$37,159
−HK$984/mo
Today · 4.125%
HK$38,143
baseline
▲ 0.50% · 4.625%
HK$40,154
+HK$2,011/mo
Deposit HK$3.06M · loan HK$7.13M · min. income ≈ HK$76,286/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,823
−HK$2,623/mo
▼ 0.25% · 3.875%
HK$43,124
−HK$1,322/mo
Today · 4.125%
HK$44,446
baseline
▲ 0.50% · 4.625%
HK$47,150
+HK$2,704/mo
Deposit HK$1.02M · loan HK$9.17M · min. income ≈ HK$88,892/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,528
−HK$2,513/mo
▼ 0.25% · 3.875%
HK$47,776
−HK$1,265/mo
Today · 4.125%
HK$49,041
baseline
▲ 0.50% · 4.625%
HK$51,626
+HK$2,585/mo
Deposit HK$1.02M · loan HK$9.17M · min. income ≈ HK$98,082/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,112 · Scale 2, in force from 26 Feb 2026)