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$23,148
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$23,868
−HK$732/mo
Today · 4.125%
HK$24,600
baseline
▲ 0.50% · 4.625%
HK$26,097
+HK$1,497/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$49,200/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$380,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,752
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$26,443
−HK$701/mo
Today · 4.125%
HK$27,144
baseline
▲ 0.50% · 4.625%
HK$28,574
+HK$1,430/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$54,288/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$380,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,778
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$28,642
−HK$878/mo
Today · 4.125%
HK$29,520
baseline
▲ 0.50% · 4.625%
HK$31,316
+HK$1,796/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$59,040/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,903
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$31,731
−HK$841/mo
Today · 4.125%
HK$32,572
baseline
▲ 0.50% · 4.625%
HK$34,289
+HK$1,717/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$65,144/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,408
−HK$2,032/mo
▼ 0.25% · 3.875%
HK$33,416
−HK$1,024/mo
Today · 4.125%
HK$34,440
baseline
▲ 0.50% · 4.625%
HK$36,535
+HK$2,095/mo
Deposit HK$3.05M · loan HK$7.11M · min. income ≈ HK$68,880/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$380,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,053
−HK$1,948/mo
▼ 0.25% · 3.875%
HK$37,020
−HK$981/mo
Today · 4.125%
HK$38,001
baseline
▲ 0.50% · 4.625%
HK$40,004
+HK$2,003/mo
Deposit HK$3.05M · loan HK$7.11M · min. income ≈ HK$76,002/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$380,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,667
−HK$2,613/mo
▼ 0.25% · 3.875%
HK$42,963
−HK$1,317/mo
Today · 4.125%
HK$44,280
baseline
▲ 0.50% · 4.625%
HK$46,974
+HK$2,694/mo
Deposit HK$1.02M · loan HK$9.14M · min. income ≈ HK$88,560/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$380,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,354
−HK$2,504/mo
▼ 0.25% · 3.875%
HK$47,597
−HK$1,261/mo
Today · 4.125%
HK$48,858
baseline
▲ 0.50% · 4.625%
HK$51,434
+HK$2,576/mo
Deposit HK$1.02M · loan HK$9.14M · min. income ≈ HK$97,716/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$380,686 · Scale 2, in force from 26 Feb 2026)