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$23,209
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$23,931
−HK$733/mo
Today · 4.125%
HK$24,664
baseline
▲ 0.50% · 4.625%
HK$26,165
+HK$1,501/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$49,328/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$381,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,820
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$26,512
−HK$702/mo
Today · 4.125%
HK$27,214
baseline
▲ 0.50% · 4.625%
HK$28,649
+HK$1,435/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$54,428/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$381,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,851
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$28,717
−HK$880/mo
Today · 4.125%
HK$29,597
baseline
▲ 0.50% · 4.625%
HK$31,398
+HK$1,801/mo
Deposit HK$4.07M · loan HK$6.11M · min. income ≈ HK$59,194/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,983
−HK$1,674/mo
▼ 0.25% · 3.875%
HK$31,814
−HK$843/mo
Today · 4.125%
HK$32,657
baseline
▲ 0.50% · 4.625%
HK$34,379
+HK$1,722/mo
Deposit HK$4.07M · loan HK$6.11M · min. income ≈ HK$65,314/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,492
−HK$2,038/mo
▼ 0.25% · 3.875%
HK$33,503
−HK$1,027/mo
Today · 4.125%
HK$34,530
baseline
▲ 0.50% · 4.625%
HK$36,631
+HK$2,101/mo
Deposit HK$3.05M · loan HK$7.12M · min. income ≈ HK$69,060/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$381,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,147
−HK$1,953/mo
▼ 0.25% · 3.875%
HK$37,117
−HK$983/mo
Today · 4.125%
HK$38,100
baseline
▲ 0.50% · 4.625%
HK$40,109
+HK$2,009/mo
Deposit HK$3.05M · loan HK$7.12M · min. income ≈ HK$76,200/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$381,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,776
−HK$2,620/mo
▼ 0.25% · 3.875%
HK$43,075
−HK$1,321/mo
Today · 4.125%
HK$44,396
baseline
▲ 0.50% · 4.625%
HK$47,097
+HK$2,701/mo
Deposit HK$1.02M · loan HK$9.16M · min. income ≈ HK$88,792/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,475
−HK$2,511/mo
▼ 0.25% · 3.875%
HK$47,722
−HK$1,264/mo
Today · 4.125%
HK$48,986
baseline
▲ 0.50% · 4.625%
HK$51,568
+HK$2,582/mo
Deposit HK$1.02M · loan HK$9.16M · min. income ≈ HK$97,972/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,681 · Scale 2, in force from 26 Feb 2026)