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$23,171
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$23,892
−HK$732/mo
Today · 4.125%
HK$24,624
baseline
▲ 0.50% · 4.625%
HK$26,122
+HK$1,498/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$49,248/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$381,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,777
−HK$1,393/mo
▼ 0.25% · 3.875%
HK$26,469
−HK$701/mo
Today · 4.125%
HK$27,170
baseline
▲ 0.50% · 4.625%
HK$28,602
+HK$1,432/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$54,340/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$381,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,805
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$28,670
−HK$879/mo
Today · 4.125%
HK$29,549
baseline
▲ 0.50% · 4.625%
HK$31,347
+HK$1,798/mo
Deposit HK$4.06M · loan HK$6.10M · min. income ≈ HK$59,098/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,933
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$31,762
−HK$842/mo
Today · 4.125%
HK$32,604
baseline
▲ 0.50% · 4.625%
HK$34,323
+HK$1,719/mo
Deposit HK$4.06M · loan HK$6.10M · min. income ≈ HK$65,208/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,439
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$33,448
−HK$1,025/mo
Today · 4.125%
HK$34,473
baseline
▲ 0.50% · 4.625%
HK$36,571
+HK$2,098/mo
Deposit HK$3.05M · loan HK$7.11M · min. income ≈ HK$68,946/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$381,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,088
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$37,056
−HK$982/mo
Today · 4.125%
HK$38,038
baseline
▲ 0.50% · 4.625%
HK$40,043
+HK$2,005/mo
Deposit HK$3.05M · loan HK$7.11M · min. income ≈ HK$76,076/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$381,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,708
−HK$2,615/mo
▼ 0.25% · 3.875%
HK$43,005
−HK$1,318/mo
Today · 4.125%
HK$44,323
baseline
▲ 0.50% · 4.625%
HK$47,020
+HK$2,697/mo
Deposit HK$1.02M · loan HK$9.15M · min. income ≈ HK$88,646/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,399
−HK$2,507/mo
▼ 0.25% · 3.875%
HK$47,644
−HK$1,262/mo
Today · 4.125%
HK$48,906
baseline
▲ 0.50% · 4.625%
HK$51,484
+HK$2,578/mo
Deposit HK$1.02M · loan HK$9.15M · min. income ≈ HK$97,812/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,058 · Scale 2, in force from 26 Feb 2026)