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$23,127
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$23,846
−HK$731/mo
Today · 4.125%
HK$24,577
baseline
▲ 0.50% · 4.625%
HK$26,073
+HK$1,496/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$49,154/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$380,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,728
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$26,418
−HK$700/mo
Today · 4.125%
HK$27,118
baseline
▲ 0.50% · 4.625%
HK$28,548
+HK$1,430/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$54,236/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$380,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,752
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$28,615
−HK$877/mo
Today · 4.125%
HK$29,492
baseline
▲ 0.50% · 4.625%
HK$31,287
+HK$1,795/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$58,984/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,874
−HK$1,668/mo
▼ 0.25% · 3.875%
HK$31,702
−HK$840/mo
Today · 4.125%
HK$32,542
baseline
▲ 0.50% · 4.625%
HK$34,257
+HK$1,715/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$65,084/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,378
−HK$2,030/mo
▼ 0.25% · 3.875%
HK$33,385
−HK$1,023/mo
Today · 4.125%
HK$34,408
baseline
▲ 0.50% · 4.625%
HK$36,502
+HK$2,094/mo
Deposit HK$3.04M · loan HK$7.10M · min. income ≈ HK$68,816/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$380,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,020
−HK$1,946/mo
▼ 0.25% · 3.875%
HK$36,986
−HK$980/mo
Today · 4.125%
HK$37,966
baseline
▲ 0.50% · 4.625%
HK$39,967
+HK$2,001/mo
Deposit HK$3.04M · loan HK$7.10M · min. income ≈ HK$75,932/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$380,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,628
−HK$2,611/mo
▼ 0.25% · 3.875%
HK$42,923
−HK$1,316/mo
Today · 4.125%
HK$44,239
baseline
▲ 0.50% · 4.625%
HK$46,931
+HK$2,692/mo
Deposit HK$1.01M · loan HK$9.13M · min. income ≈ HK$88,478/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$380,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,311
−HK$2,502/mo
▼ 0.25% · 3.875%
HK$47,553
−HK$1,260/mo
Today · 4.125%
HK$48,813
baseline
▲ 0.50% · 4.625%
HK$51,386
+HK$2,573/mo
Deposit HK$1.01M · loan HK$9.13M · min. income ≈ HK$97,626/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$380,333 · Scale 2, in force from 26 Feb 2026)