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$23,219
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$23,941
−HK$734/mo
Today · 4.125%
HK$24,675
baseline
▲ 0.50% · 4.625%
HK$26,176
+HK$1,501/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$49,350/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$381,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,831
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$26,523
−HK$703/mo
Today · 4.125%
HK$27,226
baseline
▲ 0.50% · 4.625%
HK$28,661
+HK$1,435/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$54,452/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$381,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,862
−HK$1,748/mo
▼ 0.25% · 3.875%
HK$28,729
−HK$881/mo
Today · 4.125%
HK$29,610
baseline
▲ 0.50% · 4.625%
HK$31,411
+HK$1,801/mo
Deposit HK$4.07M · loan HK$6.11M · min. income ≈ HK$59,220/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,997
−HK$1,674/mo
▼ 0.25% · 3.875%
HK$31,828
−HK$843/mo
Today · 4.125%
HK$32,671
baseline
▲ 0.50% · 4.625%
HK$34,394
+HK$1,723/mo
Deposit HK$4.07M · loan HK$6.11M · min. income ≈ HK$65,342/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,506
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$33,517
−HK$1,028/mo
Today · 4.125%
HK$34,545
baseline
▲ 0.50% · 4.625%
HK$36,647
+HK$2,102/mo
Deposit HK$3.05M · loan HK$7.13M · min. income ≈ HK$69,090/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$381,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,163
−HK$1,954/mo
▼ 0.25% · 3.875%
HK$37,133
−HK$984/mo
Today · 4.125%
HK$38,117
baseline
▲ 0.50% · 4.625%
HK$40,126
+HK$2,009/mo
Deposit HK$3.05M · loan HK$7.13M · min. income ≈ HK$76,234/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$381,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,794
−HK$2,621/mo
▼ 0.25% · 3.875%
HK$43,094
−HK$1,321/mo
Today · 4.125%
HK$44,415
baseline
▲ 0.50% · 4.625%
HK$47,117
+HK$2,702/mo
Deposit HK$1.02M · loan HK$9.16M · min. income ≈ HK$88,830/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,495
−HK$2,512/mo
▼ 0.25% · 3.875%
HK$47,742
−HK$1,265/mo
Today · 4.125%
HK$49,007
baseline
▲ 0.50% · 4.625%
HK$51,590
+HK$2,583/mo
Deposit HK$1.02M · loan HK$9.16M · min. income ≈ HK$98,014/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,845 · Scale 2, in force from 26 Feb 2026)