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$23,203
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$23,925
−HK$733/mo
Today · 4.125%
HK$24,658
baseline
▲ 0.50% · 4.625%
HK$26,159
+HK$1,501/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$49,316/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$381,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,813
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$26,506
−HK$702/mo
Today · 4.125%
HK$27,208
baseline
▲ 0.50% · 4.625%
HK$28,642
+HK$1,434/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$54,416/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$381,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,844
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$28,710
−HK$880/mo
Today · 4.125%
HK$29,590
baseline
▲ 0.50% · 4.625%
HK$31,390
+HK$1,800/mo
Deposit HK$4.07M · loan HK$6.11M · min. income ≈ HK$59,180/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,976
−HK$1,673/mo
▼ 0.25% · 3.875%
HK$31,807
−HK$842/mo
Today · 4.125%
HK$32,649
baseline
▲ 0.50% · 4.625%
HK$34,370
+HK$1,721/mo
Deposit HK$4.07M · loan HK$6.11M · min. income ≈ HK$65,298/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,484
−HK$2,037/mo
▼ 0.25% · 3.875%
HK$33,495
−HK$1,026/mo
Today · 4.125%
HK$34,521
baseline
▲ 0.50% · 4.625%
HK$36,622
+HK$2,101/mo
Deposit HK$3.05M · loan HK$7.12M · min. income ≈ HK$69,042/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$381,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,139
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$37,108
−HK$983/mo
Today · 4.125%
HK$38,091
baseline
▲ 0.50% · 4.625%
HK$40,099
+HK$2,008/mo
Deposit HK$3.05M · loan HK$7.12M · min. income ≈ HK$76,182/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$381,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,766
−HK$2,619/mo
▼ 0.25% · 3.875%
HK$43,065
−HK$1,320/mo
Today · 4.125%
HK$44,385
baseline
▲ 0.50% · 4.625%
HK$47,085
+HK$2,700/mo
Deposit HK$1.02M · loan HK$9.16M · min. income ≈ HK$88,770/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,464
−HK$2,510/mo
▼ 0.25% · 3.875%
HK$47,710
−HK$1,264/mo
Today · 4.125%
HK$48,974
baseline
▲ 0.50% · 4.625%
HK$51,556
+HK$2,582/mo
Deposit HK$1.02M · loan HK$9.16M · min. income ≈ HK$97,948/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,588 · Scale 2, in force from 26 Feb 2026)