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$23,072
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$23,789
−HK$729/mo
Today · 4.125%
HK$24,518
baseline
▲ 0.50% · 4.625%
HK$26,010
+HK$1,492/mo
Deposit HK$5.06M · loan HK$5.06M · min. income ≈ HK$49,036/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$379,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,667
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$26,355
−HK$699/mo
Today · 4.125%
HK$27,054
baseline
▲ 0.50% · 4.625%
HK$28,480
+HK$1,426/mo
Deposit HK$5.06M · loan HK$5.06M · min. income ≈ HK$54,108/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$379,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,686
−HK$1,736/mo
▼ 0.25% · 3.875%
HK$28,547
−HK$875/mo
Today · 4.125%
HK$29,422
baseline
▲ 0.50% · 4.625%
HK$31,212
+HK$1,790/mo
Deposit HK$4.05M · loan HK$6.07M · min. income ≈ HK$58,844/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$379,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,800
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$31,626
−HK$838/mo
Today · 4.125%
HK$32,464
baseline
▲ 0.50% · 4.625%
HK$34,176
+HK$1,712/mo
Deposit HK$4.05M · loan HK$6.07M · min. income ≈ HK$64,928/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$379,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,300
−HK$2,026/mo
▼ 0.25% · 3.875%
HK$33,305
−HK$1,021/mo
Today · 4.125%
HK$34,326
baseline
▲ 0.50% · 4.625%
HK$36,415
+HK$2,089/mo
Deposit HK$3.04M · loan HK$7.08M · min. income ≈ HK$68,652/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$379,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,934
−HK$1,941/mo
▼ 0.25% · 3.875%
HK$36,898
−HK$977/mo
Today · 4.125%
HK$37,875
baseline
▲ 0.50% · 4.625%
HK$39,872
+HK$1,997/mo
Deposit HK$3.04M · loan HK$7.08M · min. income ≈ HK$75,750/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$379,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,529
−HK$2,604/mo
▼ 0.25% · 3.875%
HK$42,821
−HK$1,312/mo
Today · 4.125%
HK$44,133
baseline
▲ 0.50% · 4.625%
HK$46,819
+HK$2,686/mo
Deposit HK$1.01M · loan HK$9.11M · min. income ≈ HK$88,266/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,201
−HK$2,496/mo
▼ 0.25% · 3.875%
HK$47,440
−HK$1,257/mo
Today · 4.125%
HK$48,697
baseline
▲ 0.50% · 4.625%
HK$51,264
+HK$2,567/mo
Deposit HK$1.01M · loan HK$9.11M · min. income ≈ HK$97,394/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,426 · Scale 2, in force from 26 Feb 2026)