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$23,204
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$23,926
−HK$733/mo
Today · 4.125%
HK$24,659
baseline
▲ 0.50% · 4.625%
HK$26,159
+HK$1,500/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$49,318/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$381,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,814
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$26,506
−HK$703/mo
Today · 4.125%
HK$27,209
baseline
▲ 0.50% · 4.625%
HK$28,643
+HK$1,434/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$54,418/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$381,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,845
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$28,711
−HK$880/mo
Today · 4.125%
HK$29,591
baseline
▲ 0.50% · 4.625%
HK$31,391
+HK$1,800/mo
Deposit HK$4.07M · loan HK$6.11M · min. income ≈ HK$59,182/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,977
−HK$1,674/mo
▼ 0.25% · 3.875%
HK$31,808
−HK$843/mo
Today · 4.125%
HK$32,651
baseline
▲ 0.50% · 4.625%
HK$34,372
+HK$1,721/mo
Deposit HK$4.07M · loan HK$6.11M · min. income ≈ HK$65,302/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,486
−HK$2,037/mo
▼ 0.25% · 3.875%
HK$33,496
−HK$1,027/mo
Today · 4.125%
HK$34,523
baseline
▲ 0.50% · 4.625%
HK$36,623
+HK$2,100/mo
Deposit HK$3.05M · loan HK$7.12M · min. income ≈ HK$69,046/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$381,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,140
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$37,109
−HK$983/mo
Today · 4.125%
HK$38,092
baseline
▲ 0.50% · 4.625%
HK$40,100
+HK$2,008/mo
Deposit HK$3.05M · loan HK$7.12M · min. income ≈ HK$76,184/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$381,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,767
−HK$2,619/mo
▼ 0.25% · 3.875%
HK$43,066
−HK$1,320/mo
Today · 4.125%
HK$44,386
baseline
▲ 0.50% · 4.625%
HK$47,087
+HK$2,701/mo
Deposit HK$1.02M · loan HK$9.16M · min. income ≈ HK$88,772/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,465
−HK$2,511/mo
▼ 0.25% · 3.875%
HK$47,712
−HK$1,264/mo
Today · 4.125%
HK$48,976
baseline
▲ 0.50% · 4.625%
HK$51,557
+HK$2,581/mo
Deposit HK$1.02M · loan HK$9.16M · min. income ≈ HK$97,952/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,601 · Scale 2, in force from 26 Feb 2026)