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$23,181
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$23,902
−HK$732/mo
Today · 4.125%
HK$24,634
baseline
▲ 0.50% · 4.625%
HK$26,133
+HK$1,499/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$49,268/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$381,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,788
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$26,480
−HK$702/mo
Today · 4.125%
HK$27,182
baseline
▲ 0.50% · 4.625%
HK$28,614
+HK$1,432/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$54,364/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$381,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,817
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$28,682
−HK$879/mo
Today · 4.125%
HK$29,561
baseline
▲ 0.50% · 4.625%
HK$31,360
+HK$1,799/mo
Deposit HK$4.07M · loan HK$6.10M · min. income ≈ HK$59,122/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,946
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$31,776
−HK$842/mo
Today · 4.125%
HK$32,618
baseline
▲ 0.50% · 4.625%
HK$34,337
+HK$1,719/mo
Deposit HK$4.07M · loan HK$6.10M · min. income ≈ HK$65,236/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,453
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$33,463
−HK$1,025/mo
Today · 4.125%
HK$34,488
baseline
▲ 0.50% · 4.625%
HK$36,587
+HK$2,099/mo
Deposit HK$3.05M · loan HK$7.12M · min. income ≈ HK$68,976/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$381,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,104
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$37,072
−HK$982/mo
Today · 4.125%
HK$38,054
baseline
▲ 0.50% · 4.625%
HK$40,060
+HK$2,006/mo
Deposit HK$3.05M · loan HK$7.12M · min. income ≈ HK$76,108/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$381,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,725
−HK$2,617/mo
▼ 0.25% · 3.875%
HK$43,023
−HK$1,319/mo
Today · 4.125%
HK$44,342
baseline
▲ 0.50% · 4.625%
HK$47,040
+HK$2,698/mo
Deposit HK$1.02M · loan HK$9.15M · min. income ≈ HK$88,684/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,419
−HK$2,508/mo
▼ 0.25% · 3.875%
HK$47,664
−HK$1,263/mo
Today · 4.125%
HK$48,927
baseline
▲ 0.50% · 4.625%
HK$51,506
+HK$2,579/mo
Deposit HK$1.02M · loan HK$9.15M · min. income ≈ HK$97,854/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,221 · Scale 2, in force from 26 Feb 2026)