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$23,180
−HK$1,454/mo
▼ 0.25% · 3.875%
HK$23,901
−HK$733/mo
Today · 4.125%
HK$24,634
baseline
▲ 0.50% · 4.625%
HK$26,133
+HK$1,499/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$49,268/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$381,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,788
−HK$1,393/mo
▼ 0.25% · 3.875%
HK$26,479
−HK$702/mo
Today · 4.125%
HK$27,181
baseline
▲ 0.50% · 4.625%
HK$28,614
+HK$1,433/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$54,362/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$381,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,816
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$28,682
−HK$879/mo
Today · 4.125%
HK$29,561
baseline
▲ 0.50% · 4.625%
HK$31,359
+HK$1,798/mo
Deposit HK$4.07M · loan HK$6.10M · min. income ≈ HK$59,122/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,945
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$31,775
−HK$842/mo
Today · 4.125%
HK$32,617
baseline
▲ 0.50% · 4.625%
HK$34,337
+HK$1,720/mo
Deposit HK$4.07M · loan HK$6.10M · min. income ≈ HK$65,234/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,452
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$33,462
−HK$1,025/mo
Today · 4.125%
HK$34,487
baseline
▲ 0.50% · 4.625%
HK$36,586
+HK$2,099/mo
Deposit HK$3.05M · loan HK$7.12M · min. income ≈ HK$68,974/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$381,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,103
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$37,071
−HK$982/mo
Today · 4.125%
HK$38,053
baseline
▲ 0.50% · 4.625%
HK$40,059
+HK$2,006/mo
Deposit HK$3.05M · loan HK$7.12M · min. income ≈ HK$76,106/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$381,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,724
−HK$2,617/mo
▼ 0.25% · 3.875%
HK$43,022
−HK$1,319/mo
Today · 4.125%
HK$44,341
baseline
▲ 0.50% · 4.625%
HK$47,039
+HK$2,698/mo
Deposit HK$1.02M · loan HK$9.15M · min. income ≈ HK$88,682/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,418
−HK$2,508/mo
▼ 0.25% · 3.875%
HK$47,663
−HK$1,263/mo
Today · 4.125%
HK$48,926
baseline
▲ 0.50% · 4.625%
HK$51,505
+HK$2,579/mo
Deposit HK$1.02M · loan HK$9.15M · min. income ≈ HK$97,852/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,212 · Scale 2, in force from 26 Feb 2026)