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$23,195
−HK$1,454/mo
▼ 0.25% · 3.875%
HK$23,916
−HK$733/mo
Today · 4.125%
HK$24,649
baseline
▲ 0.50% · 4.625%
HK$26,149
+HK$1,500/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$49,298/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$381,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,804
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$26,496
−HK$702/mo
Today · 4.125%
HK$27,198
baseline
▲ 0.50% · 4.625%
HK$28,632
+HK$1,434/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$54,396/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$381,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,834
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$28,699
−HK$880/mo
Today · 4.125%
HK$29,579
baseline
▲ 0.50% · 4.625%
HK$31,379
+HK$1,800/mo
Deposit HK$4.07M · loan HK$6.10M · min. income ≈ HK$59,158/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,965
−HK$1,673/mo
▼ 0.25% · 3.875%
HK$31,795
−HK$843/mo
Today · 4.125%
HK$32,638
baseline
▲ 0.50% · 4.625%
HK$34,358
+HK$1,720/mo
Deposit HK$4.07M · loan HK$6.10M · min. income ≈ HK$65,276/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,473
−HK$2,036/mo
▼ 0.25% · 3.875%
HK$33,483
−HK$1,026/mo
Today · 4.125%
HK$34,509
baseline
▲ 0.50% · 4.625%
HK$36,609
+HK$2,100/mo
Deposit HK$3.05M · loan HK$7.12M · min. income ≈ HK$69,018/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$381,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,125
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$37,094
−HK$983/mo
Today · 4.125%
HK$38,077
baseline
▲ 0.50% · 4.625%
HK$40,084
+HK$2,007/mo
Deposit HK$3.05M · loan HK$7.12M · min. income ≈ HK$76,154/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$381,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,750
−HK$2,619/mo
▼ 0.25% · 3.875%
HK$43,049
−HK$1,320/mo
Today · 4.125%
HK$44,369
baseline
▲ 0.50% · 4.625%
HK$47,068
+HK$2,699/mo
Deposit HK$1.02M · loan HK$9.15M · min. income ≈ HK$88,738/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,447
−HK$2,509/mo
▼ 0.25% · 3.875%
HK$47,693
−HK$1,263/mo
Today · 4.125%
HK$48,956
baseline
▲ 0.50% · 4.625%
HK$51,537
+HK$2,581/mo
Deposit HK$1.02M · loan HK$9.15M · min. income ≈ HK$97,912/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,450 · Scale 2, in force from 26 Feb 2026)