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$23,153
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$23,873
−HK$732/mo
Today · 4.125%
HK$24,605
baseline
▲ 0.50% · 4.625%
HK$26,102
+HK$1,497/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$49,210/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$380,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,758
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$26,449
−HK$700/mo
Today · 4.125%
HK$27,149
baseline
▲ 0.50% · 4.625%
HK$28,580
+HK$1,431/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$54,298/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$380,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,784
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$28,648
−HK$878/mo
Today · 4.125%
HK$29,526
baseline
▲ 0.50% · 4.625%
HK$31,323
+HK$1,797/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$59,052/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,909
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$31,738
−HK$841/mo
Today · 4.125%
HK$32,579
baseline
▲ 0.50% · 4.625%
HK$34,297
+HK$1,718/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$65,158/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,415
−HK$2,032/mo
▼ 0.25% · 3.875%
HK$33,423
−HK$1,024/mo
Today · 4.125%
HK$34,447
baseline
▲ 0.50% · 4.625%
HK$36,543
+HK$2,096/mo
Deposit HK$3.05M · loan HK$7.11M · min. income ≈ HK$68,894/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$380,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,061
−HK$1,948/mo
▼ 0.25% · 3.875%
HK$37,028
−HK$981/mo
Today · 4.125%
HK$38,009
baseline
▲ 0.50% · 4.625%
HK$40,013
+HK$2,004/mo
Deposit HK$3.05M · loan HK$7.11M · min. income ≈ HK$76,018/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$380,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,676
−HK$2,613/mo
▼ 0.25% · 3.875%
HK$42,972
−HK$1,317/mo
Today · 4.125%
HK$44,289
baseline
▲ 0.50% · 4.625%
HK$46,984
+HK$2,695/mo
Deposit HK$1.02M · loan HK$9.14M · min. income ≈ HK$88,578/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$380,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,364
−HK$2,505/mo
▼ 0.25% · 3.875%
HK$47,607
−HK$1,262/mo
Today · 4.125%
HK$48,869
baseline
▲ 0.50% · 4.625%
HK$51,445
+HK$2,576/mo
Deposit HK$1.02M · loan HK$9.14M · min. income ≈ HK$97,738/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$380,767 · Scale 2, in force from 26 Feb 2026)