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$23,084
−HK$1,447/mo
▼ 0.25% · 3.875%
HK$23,802
−HK$729/mo
Today · 4.125%
HK$24,531
baseline
▲ 0.50% · 4.625%
HK$26,024
+HK$1,493/mo
Deposit HK$5.06M · loan HK$5.06M · min. income ≈ HK$49,062/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$379,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,680
−HK$1,388/mo
▼ 0.25% · 3.875%
HK$26,369
−HK$699/mo
Today · 4.125%
HK$27,068
baseline
▲ 0.50% · 4.625%
HK$28,495
+HK$1,427/mo
Deposit HK$5.06M · loan HK$5.06M · min. income ≈ HK$54,136/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$379,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,701
−HK$1,737/mo
▼ 0.25% · 3.875%
HK$28,562
−HK$876/mo
Today · 4.125%
HK$29,438
baseline
▲ 0.50% · 4.625%
HK$31,229
+HK$1,791/mo
Deposit HK$4.05M · loan HK$6.07M · min. income ≈ HK$58,876/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$379,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,817
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$31,643
−HK$838/mo
Today · 4.125%
HK$32,481
baseline
▲ 0.50% · 4.625%
HK$34,194
+HK$1,713/mo
Deposit HK$4.05M · loan HK$6.07M · min. income ≈ HK$64,962/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$379,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,317
−HK$2,027/mo
▼ 0.25% · 3.875%
HK$33,323
−HK$1,021/mo
Today · 4.125%
HK$34,344
baseline
▲ 0.50% · 4.625%
HK$36,434
+HK$2,090/mo
Deposit HK$3.04M · loan HK$7.09M · min. income ≈ HK$68,688/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$379,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,953
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$36,917
−HK$978/mo
Today · 4.125%
HK$37,895
baseline
▲ 0.50% · 4.625%
HK$39,893
+HK$1,998/mo
Deposit HK$3.04M · loan HK$7.09M · min. income ≈ HK$75,790/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$379,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,551
−HK$2,605/mo
▼ 0.25% · 3.875%
HK$42,843
−HK$1,313/mo
Today · 4.125%
HK$44,156
baseline
▲ 0.50% · 4.625%
HK$46,843
+HK$2,687/mo
Deposit HK$1.01M · loan HK$9.11M · min. income ≈ HK$88,312/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,225
−HK$2,497/mo
▼ 0.25% · 3.875%
HK$47,465
−HK$1,257/mo
Today · 4.125%
HK$48,722
baseline
▲ 0.50% · 4.625%
HK$51,290
+HK$2,568/mo
Deposit HK$1.01M · loan HK$9.11M · min. income ≈ HK$97,444/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,625 · Scale 2, in force from 26 Feb 2026)