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$23,110
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$23,829
−HK$730/mo
Today · 4.125%
HK$24,559
baseline
▲ 0.50% · 4.625%
HK$26,053
+HK$1,494/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$49,118/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$380,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,709
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$26,399
−HK$699/mo
Today · 4.125%
HK$27,098
baseline
▲ 0.50% · 4.625%
HK$28,527
+HK$1,429/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$54,196/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$380,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,732
−HK$1,739/mo
▼ 0.25% · 3.875%
HK$28,594
−HK$877/mo
Today · 4.125%
HK$29,471
baseline
▲ 0.50% · 4.625%
HK$31,264
+HK$1,793/mo
Deposit HK$4.05M · loan HK$6.08M · min. income ≈ HK$58,942/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$380,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,851
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$31,679
−HK$839/mo
Today · 4.125%
HK$32,518
baseline
▲ 0.50% · 4.625%
HK$34,232
+HK$1,714/mo
Deposit HK$4.05M · loan HK$6.08M · min. income ≈ HK$65,036/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$380,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,354
−HK$2,029/mo
▼ 0.25% · 3.875%
HK$33,360
−HK$1,023/mo
Today · 4.125%
HK$34,383
baseline
▲ 0.50% · 4.625%
HK$36,475
+HK$2,092/mo
Deposit HK$3.04M · loan HK$7.09M · min. income ≈ HK$68,766/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$380,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,993
−HK$1,945/mo
▼ 0.25% · 3.875%
HK$36,959
−HK$979/mo
Today · 4.125%
HK$37,938
baseline
▲ 0.50% · 4.625%
HK$39,938
+HK$2,000/mo
Deposit HK$3.04M · loan HK$7.09M · min. income ≈ HK$75,876/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$380,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,598
−HK$2,608/mo
▼ 0.25% · 3.875%
HK$42,892
−HK$1,314/mo
Today · 4.125%
HK$44,206
baseline
▲ 0.50% · 4.625%
HK$46,896
+HK$2,690/mo
Deposit HK$1.01M · loan HK$9.12M · min. income ≈ HK$88,412/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$380,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,277
−HK$2,500/mo
▼ 0.25% · 3.875%
HK$47,518
−HK$1,259/mo
Today · 4.125%
HK$48,777
baseline
▲ 0.50% · 4.625%
HK$51,348
+HK$2,571/mo
Deposit HK$1.01M · loan HK$9.12M · min. income ≈ HK$97,554/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$380,054 · Scale 2, in force from 26 Feb 2026)