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$23,199
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$23,921
−HK$733/mo
Today · 4.125%
HK$24,654
baseline
▲ 0.50% · 4.625%
HK$26,154
+HK$1,500/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$49,308/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$381,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,809
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$26,501
−HK$702/mo
Today · 4.125%
HK$27,203
baseline
▲ 0.50% · 4.625%
HK$28,637
+HK$1,434/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$54,406/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$381,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,839
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$28,705
−HK$879/mo
Today · 4.125%
HK$29,584
baseline
▲ 0.50% · 4.625%
HK$31,385
+HK$1,801/mo
Deposit HK$4.07M · loan HK$6.10M · min. income ≈ HK$59,168/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,970
−HK$1,674/mo
▼ 0.25% · 3.875%
HK$31,801
−HK$843/mo
Today · 4.125%
HK$32,644
baseline
▲ 0.50% · 4.625%
HK$34,364
+HK$1,720/mo
Deposit HK$4.07M · loan HK$6.10M · min. income ≈ HK$65,288/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,478
−HK$2,037/mo
▼ 0.25% · 3.875%
HK$33,489
−HK$1,026/mo
Today · 4.125%
HK$34,515
baseline
▲ 0.50% · 4.625%
HK$36,615
+HK$2,100/mo
Deposit HK$3.05M · loan HK$7.12M · min. income ≈ HK$69,030/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$381,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,132
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$37,101
−HK$983/mo
Today · 4.125%
HK$38,084
baseline
▲ 0.50% · 4.625%
HK$40,092
+HK$2,008/mo
Deposit HK$3.05M · loan HK$7.12M · min. income ≈ HK$76,168/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$381,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,758
−HK$2,619/mo
▼ 0.25% · 3.875%
HK$43,057
−HK$1,320/mo
Today · 4.125%
HK$44,377
baseline
▲ 0.50% · 4.625%
HK$47,077
+HK$2,700/mo
Deposit HK$1.02M · loan HK$9.16M · min. income ≈ HK$88,754/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,455
−HK$2,510/mo
▼ 0.25% · 3.875%
HK$47,701
−HK$1,264/mo
Today · 4.125%
HK$48,965
baseline
▲ 0.50% · 4.625%
HK$51,546
+HK$2,581/mo
Deposit HK$1.02M · loan HK$9.16M · min. income ≈ HK$97,930/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,519 · Scale 2, in force from 26 Feb 2026)