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$23,136
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$23,855
−HK$731/mo
Today · 4.125%
HK$24,586
baseline
▲ 0.50% · 4.625%
HK$26,082
+HK$1,496/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$49,172/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$380,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,738
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$26,428
−HK$701/mo
Today · 4.125%
HK$27,129
baseline
▲ 0.50% · 4.625%
HK$28,559
+HK$1,430/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$54,258/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$380,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,763
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$28,626
−HK$878/mo
Today · 4.125%
HK$29,504
baseline
▲ 0.50% · 4.625%
HK$31,299
+HK$1,795/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$59,008/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,886
−HK$1,668/mo
▼ 0.25% · 3.875%
HK$31,714
−HK$840/mo
Today · 4.125%
HK$32,554
baseline
▲ 0.50% · 4.625%
HK$34,270
+HK$1,716/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$65,108/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,390
−HK$2,031/mo
▼ 0.25% · 3.875%
HK$33,397
−HK$1,024/mo
Today · 4.125%
HK$34,421
baseline
▲ 0.50% · 4.625%
HK$36,515
+HK$2,094/mo
Deposit HK$3.04M · loan HK$7.10M · min. income ≈ HK$68,842/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$380,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,033
−HK$1,947/mo
▼ 0.25% · 3.875%
HK$37,000
−HK$980/mo
Today · 4.125%
HK$37,980
baseline
▲ 0.50% · 4.625%
HK$39,982
+HK$2,002/mo
Deposit HK$3.04M · loan HK$7.10M · min. income ≈ HK$75,960/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$380,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,644
−HK$2,612/mo
▼ 0.25% · 3.875%
HK$42,940
−HK$1,316/mo
Today · 4.125%
HK$44,256
baseline
▲ 0.50% · 4.625%
HK$46,948
+HK$2,692/mo
Deposit HK$1.01M · loan HK$9.13M · min. income ≈ HK$88,512/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$380,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,329
−HK$2,503/mo
▼ 0.25% · 3.875%
HK$47,571
−HK$1,261/mo
Today · 4.125%
HK$48,832
baseline
▲ 0.50% · 4.625%
HK$51,406
+HK$2,574/mo
Deposit HK$1.01M · loan HK$9.13M · min. income ≈ HK$97,664/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$380,478 · Scale 2, in force from 26 Feb 2026)