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$23,226
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$23,948
−HK$734/mo
Today · 4.125%
HK$24,682
baseline
▲ 0.50% · 4.625%
HK$26,184
+HK$1,502/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$49,364/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$381,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,838
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$26,531
−HK$703/mo
Today · 4.125%
HK$27,234
baseline
▲ 0.50% · 4.625%
HK$28,670
+HK$1,436/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$54,468/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$381,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,871
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$28,738
−HK$880/mo
Today · 4.125%
HK$29,618
baseline
▲ 0.50% · 4.625%
HK$31,421
+HK$1,803/mo
Deposit HK$4.07M · loan HK$6.11M · min. income ≈ HK$59,236/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$381,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,006
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$31,837
−HK$844/mo
Today · 4.125%
HK$32,681
baseline
▲ 0.50% · 4.625%
HK$34,404
+HK$1,723/mo
Deposit HK$4.07M · loan HK$6.11M · min. income ≈ HK$65,362/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$381,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,516
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$33,527
−HK$1,028/mo
Today · 4.125%
HK$34,555
baseline
▲ 0.50% · 4.625%
HK$36,657
+HK$2,102/mo
Deposit HK$3.06M · loan HK$7.13M · min. income ≈ HK$69,110/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$381,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,174
−HK$1,954/mo
▼ 0.25% · 3.875%
HK$37,144
−HK$984/mo
Today · 4.125%
HK$38,128
baseline
▲ 0.50% · 4.625%
HK$40,138
+HK$2,010/mo
Deposit HK$3.06M · loan HK$7.13M · min. income ≈ HK$76,256/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$381,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,806
−HK$2,622/mo
▼ 0.25% · 3.875%
HK$43,106
−HK$1,322/mo
Today · 4.125%
HK$44,428
baseline
▲ 0.50% · 4.625%
HK$47,131
+HK$2,703/mo
Deposit HK$1.02M · loan HK$9.17M · min. income ≈ HK$88,856/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,509
−HK$2,513/mo
▼ 0.25% · 3.875%
HK$47,756
−HK$1,266/mo
Today · 4.125%
HK$49,022
baseline
▲ 0.50% · 4.625%
HK$51,606
+HK$2,584/mo
Deposit HK$1.02M · loan HK$9.17M · min. income ≈ HK$98,044/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,958 · Scale 2, in force from 26 Feb 2026)