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$23,179
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$23,900
−HK$732/mo
Today · 4.125%
HK$24,632
baseline
▲ 0.50% · 4.625%
HK$26,131
+HK$1,499/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$49,264/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$381,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,786
−HK$1,393/mo
▼ 0.25% · 3.875%
HK$26,478
−HK$701/mo
Today · 4.125%
HK$27,179
baseline
▲ 0.50% · 4.625%
HK$28,612
+HK$1,433/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$54,358/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$381,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,814
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$28,680
−HK$879/mo
Today · 4.125%
HK$29,559
baseline
▲ 0.50% · 4.625%
HK$31,357
+HK$1,798/mo
Deposit HK$4.07M · loan HK$6.10M · min. income ≈ HK$59,118/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,943
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$31,773
−HK$842/mo
Today · 4.125%
HK$32,615
baseline
▲ 0.50% · 4.625%
HK$34,334
+HK$1,719/mo
Deposit HK$4.07M · loan HK$6.10M · min. income ≈ HK$65,230/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,450
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$33,459
−HK$1,026/mo
Today · 4.125%
HK$34,485
baseline
▲ 0.50% · 4.625%
HK$36,583
+HK$2,098/mo
Deposit HK$3.05M · loan HK$7.12M · min. income ≈ HK$68,970/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$381,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,100
−HK$1,951/mo
▼ 0.25% · 3.875%
HK$37,069
−HK$982/mo
Today · 4.125%
HK$38,051
baseline
▲ 0.50% · 4.625%
HK$40,057
+HK$2,006/mo
Deposit HK$3.05M · loan HK$7.12M · min. income ≈ HK$76,102/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$381,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,722
−HK$2,616/mo
▼ 0.25% · 3.875%
HK$43,019
−HK$1,319/mo
Today · 4.125%
HK$44,338
baseline
▲ 0.50% · 4.625%
HK$47,036
+HK$2,698/mo
Deposit HK$1.02M · loan HK$9.15M · min. income ≈ HK$88,676/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,415
−HK$2,507/mo
▼ 0.25% · 3.875%
HK$47,660
−HK$1,262/mo
Today · 4.125%
HK$48,922
baseline
▲ 0.50% · 4.625%
HK$51,501
+HK$2,579/mo
Deposit HK$1.02M · loan HK$9.15M · min. income ≈ HK$97,844/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,185 · Scale 2, in force from 26 Feb 2026)