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$23,080
−HK$1,447/mo
▼ 0.25% · 3.875%
HK$23,798
−HK$729/mo
Today · 4.125%
HK$24,527
baseline
▲ 0.50% · 4.625%
HK$26,020
+HK$1,493/mo
Deposit HK$5.06M · loan HK$5.06M · min. income ≈ HK$49,054/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$379,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,676
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$26,365
−HK$698/mo
Today · 4.125%
HK$27,063
baseline
▲ 0.50% · 4.625%
HK$28,490
+HK$1,427/mo
Deposit HK$5.06M · loan HK$5.06M · min. income ≈ HK$54,126/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$379,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,696
−HK$1,737/mo
▼ 0.25% · 3.875%
HK$28,558
−HK$875/mo
Today · 4.125%
HK$29,433
baseline
▲ 0.50% · 4.625%
HK$31,224
+HK$1,791/mo
Deposit HK$4.05M · loan HK$6.07M · min. income ≈ HK$58,866/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$379,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,812
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$31,638
−HK$838/mo
Today · 4.125%
HK$32,476
baseline
▲ 0.50% · 4.625%
HK$34,188
+HK$1,712/mo
Deposit HK$4.05M · loan HK$6.07M · min. income ≈ HK$64,952/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$379,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,312
−HK$2,026/mo
▼ 0.25% · 3.875%
HK$33,317
−HK$1,021/mo
Today · 4.125%
HK$34,338
baseline
▲ 0.50% · 4.625%
HK$36,428
+HK$2,090/mo
Deposit HK$3.04M · loan HK$7.09M · min. income ≈ HK$68,676/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$379,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,947
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$36,911
−HK$978/mo
Today · 4.125%
HK$37,889
baseline
▲ 0.50% · 4.625%
HK$39,886
+HK$1,997/mo
Deposit HK$3.04M · loan HK$7.09M · min. income ≈ HK$75,778/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$379,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,544
−HK$2,605/mo
▼ 0.25% · 3.875%
HK$42,836
−HK$1,313/mo
Today · 4.125%
HK$44,149
baseline
▲ 0.50% · 4.625%
HK$46,836
+HK$2,687/mo
Deposit HK$1.01M · loan HK$9.11M · min. income ≈ HK$88,298/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,217
−HK$2,497/mo
▼ 0.25% · 3.875%
HK$47,457
−HK$1,257/mo
Today · 4.125%
HK$48,714
baseline
▲ 0.50% · 4.625%
HK$51,282
+HK$2,568/mo
Deposit HK$1.01M · loan HK$9.11M · min. income ≈ HK$97,428/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,563 · Scale 2, in force from 26 Feb 2026)