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$23,165
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$23,886
−HK$732/mo
Today · 4.125%
HK$24,618
baseline
▲ 0.50% · 4.625%
HK$26,116
+HK$1,498/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$49,236/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$380,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,771
−HK$1,393/mo
▼ 0.25% · 3.875%
HK$26,462
−HK$702/mo
Today · 4.125%
HK$27,164
baseline
▲ 0.50% · 4.625%
HK$28,595
+HK$1,431/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$54,328/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$380,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,798
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$28,663
−HK$879/mo
Today · 4.125%
HK$29,542
baseline
▲ 0.50% · 4.625%
HK$31,339
+HK$1,797/mo
Deposit HK$4.06M · loan HK$6.10M · min. income ≈ HK$59,084/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,926
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$31,755
−HK$841/mo
Today · 4.125%
HK$32,596
baseline
▲ 0.50% · 4.625%
HK$34,315
+HK$1,719/mo
Deposit HK$4.06M · loan HK$6.10M · min. income ≈ HK$65,192/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,432
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$33,440
−HK$1,025/mo
Today · 4.125%
HK$34,465
baseline
▲ 0.50% · 4.625%
HK$36,562
+HK$2,097/mo
Deposit HK$3.05M · loan HK$7.11M · min. income ≈ HK$68,930/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$380,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,080
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$37,047
−HK$982/mo
Today · 4.125%
HK$38,029
baseline
▲ 0.50% · 4.625%
HK$40,034
+HK$2,005/mo
Deposit HK$3.05M · loan HK$7.11M · min. income ≈ HK$76,058/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$380,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,698
−HK$2,615/mo
▼ 0.25% · 3.875%
HK$42,995
−HK$1,318/mo
Today · 4.125%
HK$44,313
baseline
▲ 0.50% · 4.625%
HK$47,009
+HK$2,696/mo
Deposit HK$1.02M · loan HK$9.14M · min. income ≈ HK$88,626/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$380,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,388
−HK$2,507/mo
▼ 0.25% · 3.875%
HK$47,632
−HK$1,263/mo
Today · 4.125%
HK$48,895
baseline
▲ 0.50% · 4.625%
HK$51,472
+HK$2,577/mo
Deposit HK$1.02M · loan HK$9.14M · min. income ≈ HK$97,790/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$380,968 · Scale 2, in force from 26 Feb 2026)