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$23,133
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$23,852
−HK$731/mo
Today · 4.125%
HK$24,583
baseline
▲ 0.50% · 4.625%
HK$26,079
+HK$1,496/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$49,166/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$380,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,735
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$26,425
−HK$700/mo
Today · 4.125%
HK$27,125
baseline
▲ 0.50% · 4.625%
HK$28,555
+HK$1,430/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$54,250/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$380,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,759
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$28,623
−HK$877/mo
Today · 4.125%
HK$29,500
baseline
▲ 0.50% · 4.625%
HK$31,295
+HK$1,795/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$59,000/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,882
−HK$1,668/mo
▼ 0.25% · 3.875%
HK$31,710
−HK$840/mo
Today · 4.125%
HK$32,550
baseline
▲ 0.50% · 4.625%
HK$34,266
+HK$1,716/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$65,100/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,386
−HK$2,031/mo
▼ 0.25% · 3.875%
HK$33,393
−HK$1,024/mo
Today · 4.125%
HK$34,417
baseline
▲ 0.50% · 4.625%
HK$36,511
+HK$2,094/mo
Deposit HK$3.04M · loan HK$7.10M · min. income ≈ HK$68,834/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$380,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,029
−HK$1,946/mo
▼ 0.25% · 3.875%
HK$36,995
−HK$980/mo
Today · 4.125%
HK$37,975
baseline
▲ 0.50% · 4.625%
HK$39,977
+HK$2,002/mo
Deposit HK$3.04M · loan HK$7.10M · min. income ≈ HK$75,950/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$380,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,639
−HK$2,611/mo
▼ 0.25% · 3.875%
HK$42,934
−HK$1,316/mo
Today · 4.125%
HK$44,250
baseline
▲ 0.50% · 4.625%
HK$46,943
+HK$2,693/mo
Deposit HK$1.01M · loan HK$9.13M · min. income ≈ HK$88,500/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$380,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,323
−HK$2,503/mo
▼ 0.25% · 3.875%
HK$47,565
−HK$1,261/mo
Today · 4.125%
HK$48,826
baseline
▲ 0.50% · 4.625%
HK$51,399
+HK$2,573/mo
Deposit HK$1.01M · loan HK$9.13M · min. income ≈ HK$97,652/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$380,430 · Scale 2, in force from 26 Feb 2026)