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$23,187
−HK$1,454/mo
▼ 0.25% · 3.875%
HK$23,908
−HK$733/mo
Today · 4.125%
HK$24,641
baseline
▲ 0.50% · 4.625%
HK$26,140
+HK$1,499/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$49,282/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$381,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,795
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$26,487
−HK$702/mo
Today · 4.125%
HK$27,189
baseline
▲ 0.50% · 4.625%
HK$28,622
+HK$1,433/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$54,378/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$381,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,824
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$28,690
−HK$879/mo
Today · 4.125%
HK$29,569
baseline
▲ 0.50% · 4.625%
HK$31,368
+HK$1,799/mo
Deposit HK$4.07M · loan HK$6.10M · min. income ≈ HK$59,138/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,954
−HK$1,673/mo
▼ 0.25% · 3.875%
HK$31,784
−HK$843/mo
Today · 4.125%
HK$32,627
baseline
▲ 0.50% · 4.625%
HK$34,346
+HK$1,719/mo
Deposit HK$4.07M · loan HK$6.10M · min. income ≈ HK$65,254/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,462
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$33,471
−HK$1,026/mo
Today · 4.125%
HK$34,497
baseline
▲ 0.50% · 4.625%
HK$36,596
+HK$2,099/mo
Deposit HK$3.05M · loan HK$7.12M · min. income ≈ HK$68,994/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$381,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,113
−HK$1,951/mo
▼ 0.25% · 3.875%
HK$37,082
−HK$982/mo
Today · 4.125%
HK$38,064
baseline
▲ 0.50% · 4.625%
HK$40,071
+HK$2,007/mo
Deposit HK$3.05M · loan HK$7.12M · min. income ≈ HK$76,128/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$381,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,736
−HK$2,618/mo
▼ 0.25% · 3.875%
HK$43,035
−HK$1,319/mo
Today · 4.125%
HK$44,354
baseline
▲ 0.50% · 4.625%
HK$47,052
+HK$2,698/mo
Deposit HK$1.02M · loan HK$9.15M · min. income ≈ HK$88,708/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,431
−HK$2,509/mo
▼ 0.25% · 3.875%
HK$47,677
−HK$1,263/mo
Today · 4.125%
HK$48,940
baseline
▲ 0.50% · 4.625%
HK$51,519
+HK$2,579/mo
Deposit HK$1.02M · loan HK$9.15M · min. income ≈ HK$97,880/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,320 · Scale 2, in force from 26 Feb 2026)