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$23,165
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$23,885
−HK$733/mo
Today · 4.125%
HK$24,618
baseline
▲ 0.50% · 4.625%
HK$26,115
+HK$1,497/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$49,236/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$380,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,771
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$26,462
−HK$701/mo
Today · 4.125%
HK$27,163
baseline
▲ 0.50% · 4.625%
HK$28,595
+HK$1,432/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$54,326/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$380,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,798
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$28,663
−HK$878/mo
Today · 4.125%
HK$29,541
baseline
▲ 0.50% · 4.625%
HK$31,339
+HK$1,798/mo
Deposit HK$4.06M · loan HK$6.10M · min. income ≈ HK$59,082/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,925
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$31,754
−HK$842/mo
Today · 4.125%
HK$32,596
baseline
▲ 0.50% · 4.625%
HK$34,314
+HK$1,718/mo
Deposit HK$4.06M · loan HK$6.10M · min. income ≈ HK$65,192/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,431
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$33,440
−HK$1,025/mo
Today · 4.125%
HK$34,465
baseline
▲ 0.50% · 4.625%
HK$36,562
+HK$2,097/mo
Deposit HK$3.05M · loan HK$7.11M · min. income ≈ HK$68,930/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$380,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,079
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$37,047
−HK$981/mo
Today · 4.125%
HK$38,028
baseline
▲ 0.50% · 4.625%
HK$40,033
+HK$2,005/mo
Deposit HK$3.05M · loan HK$7.11M · min. income ≈ HK$76,056/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$380,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,697
−HK$2,615/mo
▼ 0.25% · 3.875%
HK$42,994
−HK$1,318/mo
Today · 4.125%
HK$44,312
baseline
▲ 0.50% · 4.625%
HK$47,008
+HK$2,696/mo
Deposit HK$1.02M · loan HK$9.14M · min. income ≈ HK$88,624/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$380,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,387
−HK$2,506/mo
▼ 0.25% · 3.875%
HK$47,631
−HK$1,262/mo
Today · 4.125%
HK$48,893
baseline
▲ 0.50% · 4.625%
HK$51,471
+HK$2,578/mo
Deposit HK$1.02M · loan HK$9.14M · min. income ≈ HK$97,786/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$380,959 · Scale 2, in force from 26 Feb 2026)