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$23,163
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$23,884
−HK$732/mo
Today · 4.125%
HK$24,616
baseline
▲ 0.50% · 4.625%
HK$26,113
+HK$1,497/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$49,232/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$380,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,769
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$26,460
−HK$701/mo
Today · 4.125%
HK$27,161
baseline
▲ 0.50% · 4.625%
HK$28,593
+HK$1,432/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$54,322/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$380,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,796
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$28,660
−HK$879/mo
Today · 4.125%
HK$29,539
baseline
▲ 0.50% · 4.625%
HK$31,336
+HK$1,797/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$59,078/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,922
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$31,752
−HK$841/mo
Today · 4.125%
HK$32,593
baseline
▲ 0.50% · 4.625%
HK$34,311
+HK$1,718/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$65,186/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,428
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$33,437
−HK$1,025/mo
Today · 4.125%
HK$34,462
baseline
▲ 0.50% · 4.625%
HK$36,559
+HK$2,097/mo
Deposit HK$3.05M · loan HK$7.11M · min. income ≈ HK$68,924/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$380,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,076
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$37,044
−HK$981/mo
Today · 4.125%
HK$38,025
baseline
▲ 0.50% · 4.625%
HK$40,030
+HK$2,005/mo
Deposit HK$3.05M · loan HK$7.11M · min. income ≈ HK$76,050/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$380,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,693
−HK$2,615/mo
▼ 0.25% · 3.875%
HK$42,990
−HK$1,318/mo
Today · 4.125%
HK$44,308
baseline
▲ 0.50% · 4.625%
HK$47,004
+HK$2,696/mo
Deposit HK$1.02M · loan HK$9.14M · min. income ≈ HK$88,616/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$380,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,384
−HK$2,506/mo
▼ 0.25% · 3.875%
HK$47,628
−HK$1,262/mo
Today · 4.125%
HK$48,890
baseline
▲ 0.50% · 4.625%
HK$51,467
+HK$2,577/mo
Deposit HK$1.02M · loan HK$9.14M · min. income ≈ HK$97,780/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$380,929 · Scale 2, in force from 26 Feb 2026)