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$23,222
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$23,945
−HK$733/mo
Today · 4.125%
HK$24,678
baseline
▲ 0.50% · 4.625%
HK$26,180
+HK$1,502/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$49,356/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$381,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,834
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$26,527
−HK$703/mo
Today · 4.125%
HK$27,230
baseline
▲ 0.50% · 4.625%
HK$28,666
+HK$1,436/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$54,460/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$381,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,867
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$28,733
−HK$881/mo
Today · 4.125%
HK$29,614
baseline
▲ 0.50% · 4.625%
HK$31,416
+HK$1,802/mo
Deposit HK$4.07M · loan HK$6.11M · min. income ≈ HK$59,228/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$381,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,001
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$31,833
−HK$843/mo
Today · 4.125%
HK$32,676
baseline
▲ 0.50% · 4.625%
HK$34,399
+HK$1,723/mo
Deposit HK$4.07M · loan HK$6.11M · min. income ≈ HK$65,352/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$381,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,511
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$33,522
−HK$1,028/mo
Today · 4.125%
HK$34,550
baseline
▲ 0.50% · 4.625%
HK$36,652
+HK$2,102/mo
Deposit HK$3.06M · loan HK$7.13M · min. income ≈ HK$69,100/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$381,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,168
−HK$1,954/mo
▼ 0.25% · 3.875%
HK$37,138
−HK$984/mo
Today · 4.125%
HK$38,122
baseline
▲ 0.50% · 4.625%
HK$40,132
+HK$2,010/mo
Deposit HK$3.06M · loan HK$7.13M · min. income ≈ HK$76,244/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$381,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,800
−HK$2,621/mo
▼ 0.25% · 3.875%
HK$43,100
−HK$1,321/mo
Today · 4.125%
HK$44,421
baseline
▲ 0.50% · 4.625%
HK$47,124
+HK$2,703/mo
Deposit HK$1.02M · loan HK$9.17M · min. income ≈ HK$88,842/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,502
−HK$2,512/mo
▼ 0.25% · 3.875%
HK$47,749
−HK$1,265/mo
Today · 4.125%
HK$49,014
baseline
▲ 0.50% · 4.625%
HK$51,598
+HK$2,584/mo
Deposit HK$1.02M · loan HK$9.17M · min. income ≈ HK$98,028/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,901 · Scale 2, in force from 26 Feb 2026)