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$23,060
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$23,778
−HK$728/mo
Today · 4.125%
HK$24,506
baseline
▲ 0.50% · 4.625%
HK$25,998
+HK$1,492/mo
Deposit HK$5.06M · loan HK$5.06M · min. income ≈ HK$49,012/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$379,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,654
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$26,342
−HK$698/mo
Today · 4.125%
HK$27,040
baseline
▲ 0.50% · 4.625%
HK$28,466
+HK$1,426/mo
Deposit HK$5.06M · loan HK$5.06M · min. income ≈ HK$54,080/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$379,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,672
−HK$1,736/mo
▼ 0.25% · 3.875%
HK$28,533
−HK$875/mo
Today · 4.125%
HK$29,408
baseline
▲ 0.50% · 4.625%
HK$31,197
+HK$1,789/mo
Deposit HK$4.05M · loan HK$6.07M · min. income ≈ HK$58,816/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$379,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,785
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$31,611
−HK$838/mo
Today · 4.125%
HK$32,449
baseline
▲ 0.50% · 4.625%
HK$34,159
+HK$1,710/mo
Deposit HK$4.05M · loan HK$6.07M · min. income ≈ HK$64,898/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$379,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,285
−HK$2,024/mo
▼ 0.25% · 3.875%
HK$33,289
−HK$1,020/mo
Today · 4.125%
HK$34,309
baseline
▲ 0.50% · 4.625%
HK$36,397
+HK$2,088/mo
Deposit HK$3.03M · loan HK$7.08M · min. income ≈ HK$68,618/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$379,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,916
−HK$1,941/mo
▼ 0.25% · 3.875%
HK$36,879
−HK$978/mo
Today · 4.125%
HK$37,857
baseline
▲ 0.50% · 4.625%
HK$39,852
+HK$1,995/mo
Deposit HK$3.03M · loan HK$7.08M · min. income ≈ HK$75,714/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$379,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,509
−HK$2,603/mo
▼ 0.25% · 3.875%
HK$42,800
−HK$1,312/mo
Today · 4.125%
HK$44,112
baseline
▲ 0.50% · 4.625%
HK$46,796
+HK$2,684/mo
Deposit HK$1.01M · loan HK$9.10M · min. income ≈ HK$88,224/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,178
−HK$2,495/mo
▼ 0.25% · 3.875%
HK$47,416
−HK$1,257/mo
Today · 4.125%
HK$48,673
baseline
▲ 0.50% · 4.625%
HK$51,238
+HK$2,565/mo
Deposit HK$1.01M · loan HK$9.10M · min. income ≈ HK$97,346/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,241 · Scale 2, in force from 26 Feb 2026)