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$23,154
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$23,875
−HK$731/mo
Today · 4.125%
HK$24,606
baseline
▲ 0.50% · 4.625%
HK$26,104
+HK$1,498/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$49,212/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$380,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,759
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$26,450
−HK$701/mo
Today · 4.125%
HK$27,151
baseline
▲ 0.50% · 4.625%
HK$28,582
+HK$1,431/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$54,302/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$380,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,785
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$28,649
−HK$879/mo
Today · 4.125%
HK$29,528
baseline
▲ 0.50% · 4.625%
HK$31,324
+HK$1,796/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$59,056/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,911
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$31,740
−HK$841/mo
Today · 4.125%
HK$32,581
baseline
▲ 0.50% · 4.625%
HK$34,298
+HK$1,717/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$65,162/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,416
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$33,424
−HK$1,025/mo
Today · 4.125%
HK$34,449
baseline
▲ 0.50% · 4.625%
HK$36,545
+HK$2,096/mo
Deposit HK$3.05M · loan HK$7.11M · min. income ≈ HK$68,898/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$380,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,063
−HK$1,948/mo
▼ 0.25% · 3.875%
HK$37,030
−HK$981/mo
Today · 4.125%
HK$38,011
baseline
▲ 0.50% · 4.625%
HK$40,014
+HK$2,003/mo
Deposit HK$3.05M · loan HK$7.11M · min. income ≈ HK$76,022/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$380,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,678
−HK$2,613/mo
▼ 0.25% · 3.875%
HK$42,974
−HK$1,317/mo
Today · 4.125%
HK$44,291
baseline
▲ 0.50% · 4.625%
HK$46,986
+HK$2,695/mo
Deposit HK$1.02M · loan HK$9.14M · min. income ≈ HK$88,582/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$380,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,366
−HK$2,505/mo
▼ 0.25% · 3.875%
HK$47,610
−HK$1,261/mo
Today · 4.125%
HK$48,871
baseline
▲ 0.50% · 4.625%
HK$51,447
+HK$2,576/mo
Deposit HK$1.02M · loan HK$9.14M · min. income ≈ HK$97,742/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$380,785 · Scale 2, in force from 26 Feb 2026)