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$23,226
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$23,949
−HK$734/mo
Today · 4.125%
HK$24,683
baseline
▲ 0.50% · 4.625%
HK$26,184
+HK$1,501/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$49,366/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$381,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,839
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$26,532
−HK$703/mo
Today · 4.125%
HK$27,235
baseline
▲ 0.50% · 4.625%
HK$28,670
+HK$1,435/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$54,470/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$381,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,871
−HK$1,748/mo
▼ 0.25% · 3.875%
HK$28,738
−HK$881/mo
Today · 4.125%
HK$29,619
baseline
▲ 0.50% · 4.625%
HK$31,421
+HK$1,802/mo
Deposit HK$4.07M · loan HK$6.11M · min. income ≈ HK$59,238/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$381,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,007
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$31,838
−HK$844/mo
Today · 4.125%
HK$32,682
baseline
▲ 0.50% · 4.625%
HK$34,404
+HK$1,722/mo
Deposit HK$4.07M · loan HK$6.11M · min. income ≈ HK$65,364/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$381,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,517
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$33,528
−HK$1,028/mo
Today · 4.125%
HK$34,556
baseline
▲ 0.50% · 4.625%
HK$36,658
+HK$2,102/mo
Deposit HK$3.06M · loan HK$7.13M · min. income ≈ HK$69,112/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$381,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,174
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$37,145
−HK$984/mo
Today · 4.125%
HK$38,129
baseline
▲ 0.50% · 4.625%
HK$40,139
+HK$2,010/mo
Deposit HK$3.06M · loan HK$7.13M · min. income ≈ HK$76,258/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$381,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,807
−HK$2,622/mo
▼ 0.25% · 3.875%
HK$43,107
−HK$1,322/mo
Today · 4.125%
HK$44,429
baseline
▲ 0.50% · 4.625%
HK$47,132
+HK$2,703/mo
Deposit HK$1.02M · loan HK$9.17M · min. income ≈ HK$88,858/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,510
−HK$2,513/mo
▼ 0.25% · 3.875%
HK$47,757
−HK$1,266/mo
Today · 4.125%
HK$49,023
baseline
▲ 0.50% · 4.625%
HK$51,607
+HK$2,584/mo
Deposit HK$1.02M · loan HK$9.17M · min. income ≈ HK$98,046/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,966 · Scale 2, in force from 26 Feb 2026)