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$23,167
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$23,888
−HK$732/mo
Today · 4.125%
HK$24,620
baseline
▲ 0.50% · 4.625%
HK$26,118
+HK$1,498/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$49,240/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$380,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,773
−HK$1,393/mo
▼ 0.25% · 3.875%
HK$26,464
−HK$702/mo
Today · 4.125%
HK$27,166
baseline
▲ 0.50% · 4.625%
HK$28,598
+HK$1,432/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$54,332/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$380,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,801
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$28,665
−HK$879/mo
Today · 4.125%
HK$29,544
baseline
▲ 0.50% · 4.625%
HK$31,342
+HK$1,798/mo
Deposit HK$4.06M · loan HK$6.10M · min. income ≈ HK$59,088/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,928
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$31,757
−HK$842/mo
Today · 4.125%
HK$32,599
baseline
▲ 0.50% · 4.625%
HK$34,317
+HK$1,718/mo
Deposit HK$4.06M · loan HK$6.10M · min. income ≈ HK$65,198/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,434
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$33,443
−HK$1,025/mo
Today · 4.125%
HK$34,468
baseline
▲ 0.50% · 4.625%
HK$36,565
+HK$2,097/mo
Deposit HK$3.05M · loan HK$7.11M · min. income ≈ HK$68,936/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$380,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,082
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$37,050
−HK$982/mo
Today · 4.125%
HK$38,032
baseline
▲ 0.50% · 4.625%
HK$40,037
+HK$2,005/mo
Deposit HK$3.05M · loan HK$7.11M · min. income ≈ HK$76,064/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$380,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,701
−HK$2,615/mo
▼ 0.25% · 3.875%
HK$42,998
−HK$1,318/mo
Today · 4.125%
HK$44,316
baseline
▲ 0.50% · 4.625%
HK$47,012
+HK$2,696/mo
Deposit HK$1.02M · loan HK$9.14M · min. income ≈ HK$88,632/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$380,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,392
−HK$2,506/mo
▼ 0.25% · 3.875%
HK$47,636
−HK$1,262/mo
Today · 4.125%
HK$48,898
baseline
▲ 0.50% · 4.625%
HK$51,476
+HK$2,578/mo
Deposit HK$1.02M · loan HK$9.14M · min. income ≈ HK$97,796/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$380,996 · Scale 2, in force from 26 Feb 2026)