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$23,177
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$23,898
−HK$732/mo
Today · 4.125%
HK$24,630
baseline
▲ 0.50% · 4.625%
HK$26,129
+HK$1,499/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$49,260/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$381,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,784
−HK$1,393/mo
▼ 0.25% · 3.875%
HK$26,475
−HK$702/mo
Today · 4.125%
HK$27,177
baseline
▲ 0.50% · 4.625%
HK$28,610
+HK$1,433/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$54,354/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$381,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,812
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$28,677
−HK$879/mo
Today · 4.125%
HK$29,556
baseline
▲ 0.50% · 4.625%
HK$31,355
+HK$1,799/mo
Deposit HK$4.07M · loan HK$6.10M · min. income ≈ HK$59,112/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,941
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$31,771
−HK$841/mo
Today · 4.125%
HK$32,612
baseline
▲ 0.50% · 4.625%
HK$34,331
+HK$1,719/mo
Deposit HK$4.07M · loan HK$6.10M · min. income ≈ HK$65,224/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,448
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$33,457
−HK$1,025/mo
Today · 4.125%
HK$34,482
baseline
▲ 0.50% · 4.625%
HK$36,580
+HK$2,098/mo
Deposit HK$3.05M · loan HK$7.11M · min. income ≈ HK$68,964/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$381,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,098
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$37,066
−HK$982/mo
Today · 4.125%
HK$38,048
baseline
▲ 0.50% · 4.625%
HK$40,053
+HK$2,005/mo
Deposit HK$3.05M · loan HK$7.11M · min. income ≈ HK$76,096/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$381,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,718
−HK$2,616/mo
▼ 0.25% · 3.875%
HK$43,016
−HK$1,318/mo
Today · 4.125%
HK$44,334
baseline
▲ 0.50% · 4.625%
HK$47,032
+HK$2,698/mo
Deposit HK$1.02M · loan HK$9.15M · min. income ≈ HK$88,668/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,411
−HK$2,508/mo
▼ 0.25% · 3.875%
HK$47,656
−HK$1,263/mo
Today · 4.125%
HK$48,919
baseline
▲ 0.50% · 4.625%
HK$51,497
+HK$2,578/mo
Deposit HK$1.02M · loan HK$9.15M · min. income ≈ HK$97,838/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,155 · Scale 2, in force from 26 Feb 2026)