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$23,191
−HK$1,454/mo
▼ 0.25% · 3.875%
HK$23,913
−HK$732/mo
Today · 4.125%
HK$24,645
baseline
▲ 0.50% · 4.625%
HK$26,145
+HK$1,500/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$49,290/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$381,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,800
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$26,492
−HK$702/mo
Today · 4.125%
HK$27,194
baseline
▲ 0.50% · 4.625%
HK$28,627
+HK$1,433/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$54,388/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$381,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,829
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$28,695
−HK$880/mo
Today · 4.125%
HK$29,575
baseline
▲ 0.50% · 4.625%
HK$31,374
+HK$1,799/mo
Deposit HK$4.07M · loan HK$6.10M · min. income ≈ HK$59,150/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,960
−HK$1,673/mo
▼ 0.25% · 3.875%
HK$31,790
−HK$843/mo
Today · 4.125%
HK$32,633
baseline
▲ 0.50% · 4.625%
HK$34,353
+HK$1,720/mo
Deposit HK$4.07M · loan HK$6.10M · min. income ≈ HK$65,266/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,468
−HK$2,036/mo
▼ 0.25% · 3.875%
HK$33,478
−HK$1,026/mo
Today · 4.125%
HK$34,504
baseline
▲ 0.50% · 4.625%
HK$36,603
+HK$2,099/mo
Deposit HK$3.05M · loan HK$7.12M · min. income ≈ HK$69,008/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$381,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,120
−HK$1,951/mo
▼ 0.25% · 3.875%
HK$37,089
−HK$982/mo
Today · 4.125%
HK$38,071
baseline
▲ 0.50% · 4.625%
HK$40,078
+HK$2,007/mo
Deposit HK$3.05M · loan HK$7.12M · min. income ≈ HK$76,142/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$381,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,744
−HK$2,618/mo
▼ 0.25% · 3.875%
HK$43,043
−HK$1,319/mo
Today · 4.125%
HK$44,362
baseline
▲ 0.50% · 4.625%
HK$47,061
+HK$2,699/mo
Deposit HK$1.02M · loan HK$9.15M · min. income ≈ HK$88,724/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,440
−HK$2,509/mo
▼ 0.25% · 3.875%
HK$47,685
−HK$1,264/mo
Today · 4.125%
HK$48,949
baseline
▲ 0.50% · 4.625%
HK$51,529
+HK$2,580/mo
Deposit HK$1.02M · loan HK$9.15M · min. income ≈ HK$97,898/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,392 · Scale 2, in force from 26 Feb 2026)