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$23,214
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$23,936
−HK$734/mo
Today · 4.125%
HK$24,670
baseline
▲ 0.50% · 4.625%
HK$26,171
+HK$1,501/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$49,340/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$381,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,825
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$26,518
−HK$703/mo
Today · 4.125%
HK$27,221
baseline
▲ 0.50% · 4.625%
HK$28,656
+HK$1,435/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$54,442/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$381,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,857
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$28,723
−HK$881/mo
Today · 4.125%
HK$29,604
baseline
▲ 0.50% · 4.625%
HK$31,405
+HK$1,801/mo
Deposit HK$4.07M · loan HK$6.11M · min. income ≈ HK$59,208/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,991
−HK$1,674/mo
▼ 0.25% · 3.875%
HK$31,822
−HK$843/mo
Today · 4.125%
HK$32,665
baseline
▲ 0.50% · 4.625%
HK$34,387
+HK$1,722/mo
Deposit HK$4.07M · loan HK$6.11M · min. income ≈ HK$65,330/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,500
−HK$2,038/mo
▼ 0.25% · 3.875%
HK$33,511
−HK$1,027/mo
Today · 4.125%
HK$34,538
baseline
▲ 0.50% · 4.625%
HK$36,639
+HK$2,101/mo
Deposit HK$3.05M · loan HK$7.13M · min. income ≈ HK$69,076/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$381,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,156
−HK$1,953/mo
▼ 0.25% · 3.875%
HK$37,125
−HK$984/mo
Today · 4.125%
HK$38,109
baseline
▲ 0.50% · 4.625%
HK$40,118
+HK$2,009/mo
Deposit HK$3.05M · loan HK$7.13M · min. income ≈ HK$76,218/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$381,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,785
−HK$2,621/mo
▼ 0.25% · 3.875%
HK$43,085
−HK$1,321/mo
Today · 4.125%
HK$44,406
baseline
▲ 0.50% · 4.625%
HK$47,108
+HK$2,702/mo
Deposit HK$1.02M · loan HK$9.16M · min. income ≈ HK$88,812/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,486
−HK$2,511/mo
▼ 0.25% · 3.875%
HK$47,733
−HK$1,264/mo
Today · 4.125%
HK$48,997
baseline
▲ 0.50% · 4.625%
HK$51,580
+HK$2,583/mo
Deposit HK$1.02M · loan HK$9.16M · min. income ≈ HK$97,994/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,768 · Scale 2, in force from 26 Feb 2026)