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$23,205
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$23,926
−HK$734/mo
Today · 4.125%
HK$24,660
baseline
▲ 0.50% · 4.625%
HK$26,160
+HK$1,500/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$49,320/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$381,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,815
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$26,507
−HK$703/mo
Today · 4.125%
HK$27,210
baseline
▲ 0.50% · 4.625%
HK$28,644
+HK$1,434/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$54,420/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$381,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,846
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$28,712
−HK$880/mo
Today · 4.125%
HK$29,592
baseline
▲ 0.50% · 4.625%
HK$31,392
+HK$1,800/mo
Deposit HK$4.07M · loan HK$6.11M · min. income ≈ HK$59,184/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,978
−HK$1,673/mo
▼ 0.25% · 3.875%
HK$31,809
−HK$842/mo
Today · 4.125%
HK$32,651
baseline
▲ 0.50% · 4.625%
HK$34,373
+HK$1,722/mo
Deposit HK$4.07M · loan HK$6.11M · min. income ≈ HK$65,302/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,486
−HK$2,038/mo
▼ 0.25% · 3.875%
HK$33,497
−HK$1,027/mo
Today · 4.125%
HK$34,524
baseline
▲ 0.50% · 4.625%
HK$36,624
+HK$2,100/mo
Deposit HK$3.05M · loan HK$7.12M · min. income ≈ HK$69,048/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$381,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,141
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$37,110
−HK$983/mo
Today · 4.125%
HK$38,093
baseline
▲ 0.50% · 4.625%
HK$40,101
+HK$2,008/mo
Deposit HK$3.05M · loan HK$7.12M · min. income ≈ HK$76,186/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$381,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,768
−HK$2,619/mo
▼ 0.25% · 3.875%
HK$43,067
−HK$1,320/mo
Today · 4.125%
HK$44,387
baseline
▲ 0.50% · 4.625%
HK$47,088
+HK$2,701/mo
Deposit HK$1.02M · loan HK$9.16M · min. income ≈ HK$88,774/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,467
−HK$2,510/mo
▼ 0.25% · 3.875%
HK$47,713
−HK$1,264/mo
Today · 4.125%
HK$48,977
baseline
▲ 0.50% · 4.625%
HK$51,559
+HK$2,582/mo
Deposit HK$1.02M · loan HK$9.16M · min. income ≈ HK$97,954/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,612 · Scale 2, in force from 26 Feb 2026)