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$23,189
−HK$1,454/mo
▼ 0.25% · 3.875%
HK$23,910
−HK$733/mo
Today · 4.125%
HK$24,643
baseline
▲ 0.50% · 4.625%
HK$26,143
+HK$1,500/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$49,286/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$381,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,797
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$26,489
−HK$702/mo
Today · 4.125%
HK$27,191
baseline
▲ 0.50% · 4.625%
HK$28,624
+HK$1,433/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$54,382/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$381,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,827
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$28,692
−HK$880/mo
Today · 4.125%
HK$29,572
baseline
▲ 0.50% · 4.625%
HK$31,371
+HK$1,799/mo
Deposit HK$4.07M · loan HK$6.10M · min. income ≈ HK$59,144/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,957
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$31,787
−HK$842/mo
Today · 4.125%
HK$32,629
baseline
▲ 0.50% · 4.625%
HK$34,349
+HK$1,720/mo
Deposit HK$4.07M · loan HK$6.10M · min. income ≈ HK$65,258/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,464
−HK$2,036/mo
▼ 0.25% · 3.875%
HK$33,474
−HK$1,026/mo
Today · 4.125%
HK$34,500
baseline
▲ 0.50% · 4.625%
HK$36,600
+HK$2,100/mo
Deposit HK$3.05M · loan HK$7.12M · min. income ≈ HK$69,000/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$381,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,116
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$37,085
−HK$983/mo
Today · 4.125%
HK$38,068
baseline
▲ 0.50% · 4.625%
HK$40,074
+HK$2,006/mo
Deposit HK$3.05M · loan HK$7.12M · min. income ≈ HK$76,136/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$381,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,740
−HK$2,618/mo
▼ 0.25% · 3.875%
HK$43,038
−HK$1,320/mo
Today · 4.125%
HK$44,358
baseline
▲ 0.50% · 4.625%
HK$47,057
+HK$2,699/mo
Deposit HK$1.02M · loan HK$9.15M · min. income ≈ HK$88,716/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,435
−HK$2,509/mo
▼ 0.25% · 3.875%
HK$47,681
−HK$1,263/mo
Today · 4.125%
HK$48,944
baseline
▲ 0.50% · 4.625%
HK$51,524
+HK$2,580/mo
Deposit HK$1.02M · loan HK$9.15M · min. income ≈ HK$97,888/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,354 · Scale 2, in force from 26 Feb 2026)