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$23,057
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$23,774
−HK$729/mo
Today · 4.125%
HK$24,503
baseline
▲ 0.50% · 4.625%
HK$25,994
+HK$1,491/mo
Deposit HK$5.06M · loan HK$5.06M · min. income ≈ HK$49,006/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$379,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,651
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$26,339
−HK$698/mo
Today · 4.125%
HK$27,037
baseline
▲ 0.50% · 4.625%
HK$28,462
+HK$1,425/mo
Deposit HK$5.06M · loan HK$5.06M · min. income ≈ HK$54,074/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$379,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,669
−HK$1,735/mo
▼ 0.25% · 3.875%
HK$28,529
−HK$875/mo
Today · 4.125%
HK$29,404
baseline
▲ 0.50% · 4.625%
HK$31,193
+HK$1,789/mo
Deposit HK$4.04M · loan HK$6.07M · min. income ≈ HK$58,808/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$379,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,781
−HK$1,663/mo
▼ 0.25% · 3.875%
HK$31,607
−HK$837/mo
Today · 4.125%
HK$32,444
baseline
▲ 0.50% · 4.625%
HK$34,154
+HK$1,710/mo
Deposit HK$4.04M · loan HK$6.07M · min. income ≈ HK$64,888/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$379,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,280
−HK$2,024/mo
▼ 0.25% · 3.875%
HK$33,284
−HK$1,020/mo
Today · 4.125%
HK$34,304
baseline
▲ 0.50% · 4.625%
HK$36,392
+HK$2,088/mo
Deposit HK$3.03M · loan HK$7.08M · min. income ≈ HK$68,608/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$379,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,911
−HK$1,940/mo
▼ 0.25% · 3.875%
HK$36,874
−HK$977/mo
Today · 4.125%
HK$37,851
baseline
▲ 0.50% · 4.625%
HK$39,847
+HK$1,996/mo
Deposit HK$3.03M · loan HK$7.08M · min. income ≈ HK$75,702/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$379,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,503
−HK$2,602/mo
▼ 0.25% · 3.875%
HK$42,794
−HK$1,311/mo
Today · 4.125%
HK$44,105
baseline
▲ 0.50% · 4.625%
HK$46,789
+HK$2,684/mo
Deposit HK$1.01M · loan HK$9.10M · min. income ≈ HK$88,210/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,172
−HK$2,494/mo
▼ 0.25% · 3.875%
HK$47,410
−HK$1,256/mo
Today · 4.125%
HK$48,666
baseline
▲ 0.50% · 4.625%
HK$51,231
+HK$2,565/mo
Deposit HK$1.01M · loan HK$9.10M · min. income ≈ HK$97,332/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,187 · Scale 2, in force from 26 Feb 2026)