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$23,194
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$23,916
−HK$733/mo
Today · 4.125%
HK$24,649
baseline
▲ 0.50% · 4.625%
HK$26,149
+HK$1,500/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$49,298/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$381,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,804
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$26,496
−HK$702/mo
Today · 4.125%
HK$27,198
baseline
▲ 0.50% · 4.625%
HK$28,631
+HK$1,433/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$54,396/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$381,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,833
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$28,699
−HK$880/mo
Today · 4.125%
HK$29,579
baseline
▲ 0.50% · 4.625%
HK$31,379
+HK$1,800/mo
Deposit HK$4.07M · loan HK$6.10M · min. income ≈ HK$59,158/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,964
−HK$1,673/mo
▼ 0.25% · 3.875%
HK$31,795
−HK$842/mo
Today · 4.125%
HK$32,637
baseline
▲ 0.50% · 4.625%
HK$34,358
+HK$1,721/mo
Deposit HK$4.07M · loan HK$6.10M · min. income ≈ HK$65,274/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,472
−HK$2,037/mo
▼ 0.25% · 3.875%
HK$33,482
−HK$1,027/mo
Today · 4.125%
HK$34,509
baseline
▲ 0.50% · 4.625%
HK$36,608
+HK$2,099/mo
Deposit HK$3.05M · loan HK$7.12M · min. income ≈ HK$69,018/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$381,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,125
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$37,094
−HK$983/mo
Today · 4.125%
HK$38,077
baseline
▲ 0.50% · 4.625%
HK$40,084
+HK$2,007/mo
Deposit HK$3.05M · loan HK$7.12M · min. income ≈ HK$76,154/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$381,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,750
−HK$2,618/mo
▼ 0.25% · 3.875%
HK$43,049
−HK$1,319/mo
Today · 4.125%
HK$44,368
baseline
▲ 0.50% · 4.625%
HK$47,068
+HK$2,700/mo
Deposit HK$1.02M · loan HK$9.15M · min. income ≈ HK$88,736/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,446
−HK$2,510/mo
▼ 0.25% · 3.875%
HK$47,692
−HK$1,264/mo
Today · 4.125%
HK$48,956
baseline
▲ 0.50% · 4.625%
HK$51,536
+HK$2,580/mo
Deposit HK$1.02M · loan HK$9.15M · min. income ≈ HK$97,912/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,446 · Scale 2, in force from 26 Feb 2026)