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$23,175
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$23,896
−HK$732/mo
Today · 4.125%
HK$24,628
baseline
▲ 0.50% · 4.625%
HK$26,127
+HK$1,499/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$49,256/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$381,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,782
−HK$1,393/mo
▼ 0.25% · 3.875%
HK$26,473
−HK$702/mo
Today · 4.125%
HK$27,175
baseline
▲ 0.50% · 4.625%
HK$28,607
+HK$1,432/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$54,350/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$381,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,810
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$28,675
−HK$879/mo
Today · 4.125%
HK$29,554
baseline
▲ 0.50% · 4.625%
HK$31,352
+HK$1,798/mo
Deposit HK$4.07M · loan HK$6.10M · min. income ≈ HK$59,108/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,938
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$31,768
−HK$842/mo
Today · 4.125%
HK$32,610
baseline
▲ 0.50% · 4.625%
HK$34,329
+HK$1,719/mo
Deposit HK$4.07M · loan HK$6.10M · min. income ≈ HK$65,220/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,445
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$33,454
−HK$1,025/mo
Today · 4.125%
HK$34,479
baseline
▲ 0.50% · 4.625%
HK$36,577
+HK$2,098/mo
Deposit HK$3.05M · loan HK$7.11M · min. income ≈ HK$68,958/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$381,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,095
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$37,063
−HK$982/mo
Today · 4.125%
HK$38,045
baseline
▲ 0.50% · 4.625%
HK$40,050
+HK$2,005/mo
Deposit HK$3.05M · loan HK$7.11M · min. income ≈ HK$76,090/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$381,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,715
−HK$2,616/mo
▼ 0.25% · 3.875%
HK$43,012
−HK$1,319/mo
Today · 4.125%
HK$44,331
baseline
▲ 0.50% · 4.625%
HK$47,028
+HK$2,697/mo
Deposit HK$1.02M · loan HK$9.15M · min. income ≈ HK$88,662/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,407
−HK$2,507/mo
▼ 0.25% · 3.875%
HK$47,652
−HK$1,262/mo
Today · 4.125%
HK$48,914
baseline
▲ 0.50% · 4.625%
HK$51,493
+HK$2,579/mo
Deposit HK$1.02M · loan HK$9.15M · min. income ≈ HK$97,828/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,123 · Scale 2, in force from 26 Feb 2026)