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$23,059
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$23,776
−HK$729/mo
Today · 4.125%
HK$24,505
baseline
▲ 0.50% · 4.625%
HK$25,996
+HK$1,491/mo
Deposit HK$5.06M · loan HK$5.06M · min. income ≈ HK$49,010/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$379,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,653
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$26,341
−HK$698/mo
Today · 4.125%
HK$27,039
baseline
▲ 0.50% · 4.625%
HK$28,464
+HK$1,425/mo
Deposit HK$5.06M · loan HK$5.06M · min. income ≈ HK$54,078/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$379,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,671
−HK$1,735/mo
▼ 0.25% · 3.875%
HK$28,531
−HK$875/mo
Today · 4.125%
HK$29,406
baseline
▲ 0.50% · 4.625%
HK$31,195
+HK$1,789/mo
Deposit HK$4.04M · loan HK$6.07M · min. income ≈ HK$58,812/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$379,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,783
−HK$1,663/mo
▼ 0.25% · 3.875%
HK$31,609
−HK$837/mo
Today · 4.125%
HK$32,446
baseline
▲ 0.50% · 4.625%
HK$34,157
+HK$1,711/mo
Deposit HK$4.04M · loan HK$6.07M · min. income ≈ HK$64,892/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$379,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,282
−HK$2,025/mo
▼ 0.25% · 3.875%
HK$33,286
−HK$1,021/mo
Today · 4.125%
HK$34,307
baseline
▲ 0.50% · 4.625%
HK$36,394
+HK$2,087/mo
Deposit HK$3.03M · loan HK$7.08M · min. income ≈ HK$68,614/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$379,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,914
−HK$1,940/mo
▼ 0.25% · 3.875%
HK$36,877
−HK$977/mo
Today · 4.125%
HK$37,854
baseline
▲ 0.50% · 4.625%
HK$39,849
+HK$1,995/mo
Deposit HK$3.03M · loan HK$7.08M · min. income ≈ HK$75,708/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$379,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,506
−HK$2,603/mo
▼ 0.25% · 3.875%
HK$42,797
−HK$1,312/mo
Today · 4.125%
HK$44,109
baseline
▲ 0.50% · 4.625%
HK$46,792
+HK$2,683/mo
Deposit HK$1.01M · loan HK$9.10M · min. income ≈ HK$88,218/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,175
−HK$2,494/mo
▼ 0.25% · 3.875%
HK$47,413
−HK$1,256/mo
Today · 4.125%
HK$48,669
baseline
▲ 0.50% · 4.625%
HK$51,235
+HK$2,566/mo
Deposit HK$1.01M · loan HK$9.10M · min. income ≈ HK$97,338/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,214 · Scale 2, in force from 26 Feb 2026)