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$23,071
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$23,788
−HK$729/mo
Today · 4.125%
HK$24,517
baseline
▲ 0.50% · 4.625%
HK$26,009
+HK$1,492/mo
Deposit HK$5.06M · loan HK$5.06M · min. income ≈ HK$49,034/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$379,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,666
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$26,354
−HK$698/mo
Today · 4.125%
HK$27,052
baseline
▲ 0.50% · 4.625%
HK$28,478
+HK$1,426/mo
Deposit HK$5.06M · loan HK$5.06M · min. income ≈ HK$54,104/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$379,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,685
−HK$1,736/mo
▼ 0.25% · 3.875%
HK$28,546
−HK$875/mo
Today · 4.125%
HK$29,421
baseline
▲ 0.50% · 4.625%
HK$31,211
+HK$1,790/mo
Deposit HK$4.05M · loan HK$6.07M · min. income ≈ HK$58,842/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$379,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,799
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$31,625
−HK$838/mo
Today · 4.125%
HK$32,463
baseline
▲ 0.50% · 4.625%
HK$34,174
+HK$1,711/mo
Deposit HK$4.05M · loan HK$6.07M · min. income ≈ HK$64,926/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$379,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,299
−HK$2,025/mo
▼ 0.25% · 3.875%
HK$33,303
−HK$1,021/mo
Today · 4.125%
HK$34,324
baseline
▲ 0.50% · 4.625%
HK$36,413
+HK$2,089/mo
Deposit HK$3.04M · loan HK$7.08M · min. income ≈ HK$68,648/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$379,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,932
−HK$1,941/mo
▼ 0.25% · 3.875%
HK$36,896
−HK$977/mo
Today · 4.125%
HK$37,873
baseline
▲ 0.50% · 4.625%
HK$39,870
+HK$1,997/mo
Deposit HK$3.04M · loan HK$7.08M · min. income ≈ HK$75,746/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$379,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,527
−HK$2,604/mo
▼ 0.25% · 3.875%
HK$42,819
−HK$1,312/mo
Today · 4.125%
HK$44,131
baseline
▲ 0.50% · 4.625%
HK$46,816
+HK$2,685/mo
Deposit HK$1.01M · loan HK$9.11M · min. income ≈ HK$88,262/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,198
−HK$2,496/mo
▼ 0.25% · 3.875%
HK$47,437
−HK$1,257/mo
Today · 4.125%
HK$48,694
baseline
▲ 0.50% · 4.625%
HK$51,261
+HK$2,567/mo
Deposit HK$1.01M · loan HK$9.11M · min. income ≈ HK$97,388/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,408 · Scale 2, in force from 26 Feb 2026)