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$23,228
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$23,950
−HK$735/mo
Today · 4.125%
HK$24,685
baseline
▲ 0.50% · 4.625%
HK$26,187
+HK$1,502/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$49,370/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$381,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,841
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$26,534
−HK$703/mo
Today · 4.125%
HK$27,237
baseline
▲ 0.50% · 4.625%
HK$28,673
+HK$1,436/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$54,474/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$381,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,874
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$28,741
−HK$880/mo
Today · 4.125%
HK$29,621
baseline
▲ 0.50% · 4.625%
HK$31,424
+HK$1,803/mo
Deposit HK$4.07M · loan HK$6.11M · min. income ≈ HK$59,242/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$381,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,009
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$31,841
−HK$843/mo
Today · 4.125%
HK$32,684
baseline
▲ 0.50% · 4.625%
HK$34,407
+HK$1,723/mo
Deposit HK$4.07M · loan HK$6.11M · min. income ≈ HK$65,368/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$381,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,519
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$33,531
−HK$1,027/mo
Today · 4.125%
HK$34,558
baseline
▲ 0.50% · 4.625%
HK$36,661
+HK$2,103/mo
Deposit HK$3.06M · loan HK$7.13M · min. income ≈ HK$69,116/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$381,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,177
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$37,147
−HK$985/mo
Today · 4.125%
HK$38,132
baseline
▲ 0.50% · 4.625%
HK$40,142
+HK$2,010/mo
Deposit HK$3.06M · loan HK$7.13M · min. income ≈ HK$76,264/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$381,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,810
−HK$2,622/mo
▼ 0.25% · 3.875%
HK$43,111
−HK$1,321/mo
Today · 4.125%
HK$44,432
baseline
▲ 0.50% · 4.625%
HK$47,136
+HK$2,704/mo
Deposit HK$1.02M · loan HK$9.17M · min. income ≈ HK$88,864/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,514
−HK$2,513/mo
▼ 0.25% · 3.875%
HK$47,761
−HK$1,266/mo
Today · 4.125%
HK$49,027
baseline
▲ 0.50% · 4.625%
HK$51,611
+HK$2,584/mo
Deposit HK$1.02M · loan HK$9.17M · min. income ≈ HK$98,054/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,997 · Scale 2, in force from 26 Feb 2026)