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$23,206
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$23,928
−HK$733/mo
Today · 4.125%
HK$24,661
baseline
▲ 0.50% · 4.625%
HK$26,162
+HK$1,501/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$49,322/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$381,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,817
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$26,509
−HK$702/mo
Today · 4.125%
HK$27,211
baseline
▲ 0.50% · 4.625%
HK$28,646
+HK$1,435/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$54,422/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$381,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,847
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$28,714
−HK$880/mo
Today · 4.125%
HK$29,594
baseline
▲ 0.50% · 4.625%
HK$31,394
+HK$1,800/mo
Deposit HK$4.07M · loan HK$6.11M · min. income ≈ HK$59,188/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,980
−HK$1,674/mo
▼ 0.25% · 3.875%
HK$31,811
−HK$843/mo
Today · 4.125%
HK$32,654
baseline
▲ 0.50% · 4.625%
HK$34,375
+HK$1,721/mo
Deposit HK$4.07M · loan HK$6.11M · min. income ≈ HK$65,308/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,489
−HK$2,037/mo
▼ 0.25% · 3.875%
HK$33,499
−HK$1,027/mo
Today · 4.125%
HK$34,526
baseline
▲ 0.50% · 4.625%
HK$36,627
+HK$2,101/mo
Deposit HK$3.05M · loan HK$7.12M · min. income ≈ HK$69,052/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$381,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,143
−HK$1,953/mo
▼ 0.25% · 3.875%
HK$37,113
−HK$983/mo
Today · 4.125%
HK$38,096
baseline
▲ 0.50% · 4.625%
HK$40,104
+HK$2,008/mo
Deposit HK$3.05M · loan HK$7.12M · min. income ≈ HK$76,192/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$381,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,771
−HK$2,619/mo
▼ 0.25% · 3.875%
HK$43,070
−HK$1,320/mo
Today · 4.125%
HK$44,390
baseline
▲ 0.50% · 4.625%
HK$47,092
+HK$2,702/mo
Deposit HK$1.02M · loan HK$9.16M · min. income ≈ HK$88,780/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,470
−HK$2,511/mo
▼ 0.25% · 3.875%
HK$47,716
−HK$1,265/mo
Today · 4.125%
HK$48,981
baseline
▲ 0.50% · 4.625%
HK$51,562
+HK$2,581/mo
Deposit HK$1.02M · loan HK$9.16M · min. income ≈ HK$97,962/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,638 · Scale 2, in force from 26 Feb 2026)