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$1,456/mo
▼ 0.25% · 3.875%
HK$23,927
−HK$734/mo
Today · 4.125%
HK$24,661
baseline
▲ 0.50% · 4.625%
HK$26,161
+HK$1,500/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$49,322/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$381,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,816
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$26,508
−HK$703/mo
Today · 4.125%
HK$27,211
baseline
▲ 0.50% · 4.625%
HK$28,645
+HK$1,434/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$54,422/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$381,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,847
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$28,713
−HK$880/mo
Today · 4.125%
HK$29,593
baseline
▲ 0.50% · 4.625%
HK$31,393
+HK$1,800/mo
Deposit HK$4.07M · loan HK$6.11M · min. income ≈ HK$59,186/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,979
−HK$1,674/mo
▼ 0.25% · 3.875%
HK$31,810
−HK$843/mo
Today · 4.125%
HK$32,653
baseline
▲ 0.50% · 4.625%
HK$34,374
+HK$1,721/mo
Deposit HK$4.07M · loan HK$6.11M · min. income ≈ HK$65,306/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,488
−HK$2,037/mo
▼ 0.25% · 3.875%
HK$33,498
−HK$1,027/mo
Today · 4.125%
HK$34,525
baseline
▲ 0.50% · 4.625%
HK$36,626
+HK$2,101/mo
Deposit HK$3.05M · loan HK$7.12M · min. income ≈ HK$69,050/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$381,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,142
−HK$1,953/mo
▼ 0.25% · 3.875%
HK$37,111
−HK$984/mo
Today · 4.125%
HK$38,095
baseline
▲ 0.50% · 4.625%
HK$40,103
+HK$2,008/mo
Deposit HK$3.05M · loan HK$7.12M · min. income ≈ HK$76,190/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$381,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,770
−HK$2,619/mo
▼ 0.25% · 3.875%
HK$43,069
−HK$1,320/mo
Today · 4.125%
HK$44,389
baseline
▲ 0.50% · 4.625%
HK$47,090
+HK$2,701/mo
Deposit HK$1.02M · loan HK$9.16M · min. income ≈ HK$88,778/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,468
−HK$2,511/mo
▼ 0.25% · 3.875%
HK$47,715
−HK$1,264/mo
Today · 4.125%
HK$48,979
baseline
▲ 0.50% · 4.625%
HK$51,561
+HK$2,582/mo
Deposit HK$1.02M · loan HK$9.16M · min. income ≈ HK$97,958/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,626 · Scale 2, in force from 26 Feb 2026)