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$1,456/mo
▼ 0.25% · 3.875%
HK$23,931
−HK$734/mo
Today · 4.125%
HK$24,665
baseline
▲ 0.50% · 4.625%
HK$26,166
+HK$1,501/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$49,330/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$381,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,820
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$26,513
−HK$702/mo
Today · 4.125%
HK$27,215
baseline
▲ 0.50% · 4.625%
HK$28,650
+HK$1,435/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$54,430/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$381,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,851
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$28,718
−HK$880/mo
Today · 4.125%
HK$29,598
baseline
▲ 0.50% · 4.625%
HK$31,399
+HK$1,801/mo
Deposit HK$4.07M · loan HK$6.11M · min. income ≈ HK$59,196/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,984
−HK$1,674/mo
▼ 0.25% · 3.875%
HK$31,815
−HK$843/mo
Today · 4.125%
HK$32,658
baseline
▲ 0.50% · 4.625%
HK$34,380
+HK$1,722/mo
Deposit HK$4.07M · loan HK$6.11M · min. income ≈ HK$65,316/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,493
−HK$2,038/mo
▼ 0.25% · 3.875%
HK$33,504
−HK$1,027/mo
Today · 4.125%
HK$34,531
baseline
▲ 0.50% · 4.625%
HK$36,632
+HK$2,101/mo
Deposit HK$3.05M · loan HK$7.12M · min. income ≈ HK$69,062/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$381,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,148
−HK$1,953/mo
▼ 0.25% · 3.875%
HK$37,118
−HK$983/mo
Today · 4.125%
HK$38,101
baseline
▲ 0.50% · 4.625%
HK$40,110
+HK$2,009/mo
Deposit HK$3.05M · loan HK$7.12M · min. income ≈ HK$76,202/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$381,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,777
−HK$2,620/mo
▼ 0.25% · 3.875%
HK$43,076
−HK$1,321/mo
Today · 4.125%
HK$44,397
baseline
▲ 0.50% · 4.625%
HK$47,098
+HK$2,701/mo
Deposit HK$1.02M · loan HK$9.16M · min. income ≈ HK$88,794/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,476
−HK$2,511/mo
▼ 0.25% · 3.875%
HK$47,723
−HK$1,264/mo
Today · 4.125%
HK$48,987
baseline
▲ 0.50% · 4.625%
HK$51,569
+HK$2,582/mo
Deposit HK$1.02M · loan HK$9.16M · min. income ≈ HK$97,974/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,690 · Scale 2, in force from 26 Feb 2026)