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$23,211
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$23,933
−HK$734/mo
Today · 4.125%
HK$24,667
baseline
▲ 0.50% · 4.625%
HK$26,168
+HK$1,501/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$49,334/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$381,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,822
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$26,515
−HK$702/mo
Today · 4.125%
HK$27,217
baseline
▲ 0.50% · 4.625%
HK$28,652
+HK$1,435/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$54,434/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$381,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,853
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$28,720
−HK$880/mo
Today · 4.125%
HK$29,600
baseline
▲ 0.50% · 4.625%
HK$31,401
+HK$1,801/mo
Deposit HK$4.07M · loan HK$6.11M · min. income ≈ HK$59,200/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,987
−HK$1,674/mo
▼ 0.25% · 3.875%
HK$31,818
−HK$843/mo
Today · 4.125%
HK$32,661
baseline
▲ 0.50% · 4.625%
HK$34,382
+HK$1,721/mo
Deposit HK$4.07M · loan HK$6.11M · min. income ≈ HK$65,322/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,496
−HK$2,037/mo
▼ 0.25% · 3.875%
HK$33,506
−HK$1,027/mo
Today · 4.125%
HK$34,533
baseline
▲ 0.50% · 4.625%
HK$36,635
+HK$2,102/mo
Deposit HK$3.05M · loan HK$7.13M · min. income ≈ HK$69,066/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$381,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,151
−HK$1,953/mo
▼ 0.25% · 3.875%
HK$37,121
−HK$983/mo
Today · 4.125%
HK$38,104
baseline
▲ 0.50% · 4.625%
HK$40,113
+HK$2,009/mo
Deposit HK$3.05M · loan HK$7.13M · min. income ≈ HK$76,208/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$381,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,780
−HK$2,620/mo
▼ 0.25% · 3.875%
HK$43,080
−HK$1,320/mo
Today · 4.125%
HK$44,400
baseline
▲ 0.50% · 4.625%
HK$47,102
+HK$2,702/mo
Deposit HK$1.02M · loan HK$9.16M · min. income ≈ HK$88,800/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,480
−HK$2,511/mo
▼ 0.25% · 3.875%
HK$47,727
−HK$1,264/mo
Today · 4.125%
HK$48,991
baseline
▲ 0.50% · 4.625%
HK$51,574
+HK$2,583/mo
Deposit HK$1.02M · loan HK$9.16M · min. income ≈ HK$97,982/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,721 · Scale 2, in force from 26 Feb 2026)