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$23,138
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$23,858
−HK$731/mo
Today · 4.125%
HK$24,589
baseline
▲ 0.50% · 4.625%
HK$26,085
+HK$1,496/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$49,178/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$380,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,741
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$26,431
−HK$700/mo
Today · 4.125%
HK$27,131
baseline
▲ 0.50% · 4.625%
HK$28,561
+HK$1,430/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$54,262/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$380,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,765
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$28,629
−HK$878/mo
Today · 4.125%
HK$29,507
baseline
▲ 0.50% · 4.625%
HK$31,302
+HK$1,795/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$59,014/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,889
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$31,717
−HK$841/mo
Today · 4.125%
HK$32,558
baseline
▲ 0.50% · 4.625%
HK$34,274
+HK$1,716/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$65,116/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,393
−HK$2,031/mo
▼ 0.25% · 3.875%
HK$33,401
−HK$1,023/mo
Today · 4.125%
HK$34,424
baseline
▲ 0.50% · 4.625%
HK$36,519
+HK$2,095/mo
Deposit HK$3.04M · loan HK$7.10M · min. income ≈ HK$68,848/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$380,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,037
−HK$1,947/mo
▼ 0.25% · 3.875%
HK$37,003
−HK$981/mo
Today · 4.125%
HK$37,984
baseline
▲ 0.50% · 4.625%
HK$39,986
+HK$2,002/mo
Deposit HK$3.04M · loan HK$7.10M · min. income ≈ HK$75,968/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$380,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,648
−HK$2,612/mo
▼ 0.25% · 3.875%
HK$42,944
−HK$1,316/mo
Today · 4.125%
HK$44,260
baseline
▲ 0.50% · 4.625%
HK$46,953
+HK$2,693/mo
Deposit HK$1.01M · loan HK$9.13M · min. income ≈ HK$88,520/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$380,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,333
−HK$2,503/mo
▼ 0.25% · 3.875%
HK$47,576
−HK$1,260/mo
Today · 4.125%
HK$48,836
baseline
▲ 0.50% · 4.625%
HK$51,411
+HK$2,575/mo
Deposit HK$1.01M · loan HK$9.13M · min. income ≈ HK$97,672/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$380,515 · Scale 2, in force from 26 Feb 2026)