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$23,181
−HK$1,454/mo
▼ 0.25% · 3.875%
HK$23,902
−HK$733/mo
Today · 4.125%
HK$24,635
baseline
▲ 0.50% · 4.625%
HK$26,134
+HK$1,499/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$49,270/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$381,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,789
−HK$1,393/mo
▼ 0.25% · 3.875%
HK$26,481
−HK$701/mo
Today · 4.125%
HK$27,182
baseline
▲ 0.50% · 4.625%
HK$28,615
+HK$1,433/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$54,364/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$381,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,818
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$28,683
−HK$879/mo
Today · 4.125%
HK$29,562
baseline
▲ 0.50% · 4.625%
HK$31,361
+HK$1,799/mo
Deposit HK$4.07M · loan HK$6.10M · min. income ≈ HK$59,124/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,947
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$31,777
−HK$842/mo
Today · 4.125%
HK$32,619
baseline
▲ 0.50% · 4.625%
HK$34,338
+HK$1,719/mo
Deposit HK$4.07M · loan HK$6.10M · min. income ≈ HK$65,238/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,454
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$33,463
−HK$1,026/mo
Today · 4.125%
HK$34,489
baseline
▲ 0.50% · 4.625%
HK$36,588
+HK$2,099/mo
Deposit HK$3.05M · loan HK$7.12M · min. income ≈ HK$68,978/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$381,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,105
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$37,073
−HK$982/mo
Today · 4.125%
HK$38,055
baseline
▲ 0.50% · 4.625%
HK$40,061
+HK$2,006/mo
Deposit HK$3.05M · loan HK$7.12M · min. income ≈ HK$76,110/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$381,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,726
−HK$2,617/mo
▼ 0.25% · 3.875%
HK$43,024
−HK$1,319/mo
Today · 4.125%
HK$44,343
baseline
▲ 0.50% · 4.625%
HK$47,041
+HK$2,698/mo
Deposit HK$1.02M · loan HK$9.15M · min. income ≈ HK$88,686/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,420
−HK$2,508/mo
▼ 0.25% · 3.875%
HK$47,665
−HK$1,263/mo
Today · 4.125%
HK$48,928
baseline
▲ 0.50% · 4.625%
HK$51,507
+HK$2,579/mo
Deposit HK$1.02M · loan HK$9.15M · min. income ≈ HK$97,856/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,230 · Scale 2, in force from 26 Feb 2026)