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$23,073
−HK$1,447/mo
▼ 0.25% · 3.875%
HK$23,791
−HK$729/mo
Today · 4.125%
HK$24,520
baseline
▲ 0.50% · 4.625%
HK$26,012
+HK$1,492/mo
Deposit HK$5.06M · loan HK$5.06M · min. income ≈ HK$49,040/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$379,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,668
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$26,357
−HK$698/mo
Today · 4.125%
HK$27,055
baseline
▲ 0.50% · 4.625%
HK$28,481
+HK$1,426/mo
Deposit HK$5.06M · loan HK$5.06M · min. income ≈ HK$54,110/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$379,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,687
−HK$1,737/mo
▼ 0.25% · 3.875%
HK$28,549
−HK$875/mo
Today · 4.125%
HK$29,424
baseline
▲ 0.50% · 4.625%
HK$31,214
+HK$1,790/mo
Deposit HK$4.05M · loan HK$6.07M · min. income ≈ HK$58,848/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$379,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,802
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$31,628
−HK$838/mo
Today · 4.125%
HK$32,466
baseline
▲ 0.50% · 4.625%
HK$34,178
+HK$1,712/mo
Deposit HK$4.05M · loan HK$6.07M · min. income ≈ HK$64,932/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$379,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,302
−HK$2,026/mo
▼ 0.25% · 3.875%
HK$33,307
−HK$1,021/mo
Today · 4.125%
HK$34,328
baseline
▲ 0.50% · 4.625%
HK$36,416
+HK$2,088/mo
Deposit HK$3.04M · loan HK$7.08M · min. income ≈ HK$68,656/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$379,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,936
−HK$1,941/mo
▼ 0.25% · 3.875%
HK$36,900
−HK$977/mo
Today · 4.125%
HK$37,877
baseline
▲ 0.50% · 4.625%
HK$39,874
+HK$1,997/mo
Deposit HK$3.04M · loan HK$7.08M · min. income ≈ HK$75,754/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$379,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,531
−HK$2,605/mo
▼ 0.25% · 3.875%
HK$42,823
−HK$1,313/mo
Today · 4.125%
HK$44,136
baseline
▲ 0.50% · 4.625%
HK$46,821
+HK$2,685/mo
Deposit HK$1.01M · loan HK$9.11M · min. income ≈ HK$88,272/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,203
−HK$2,496/mo
▼ 0.25% · 3.875%
HK$47,442
−HK$1,257/mo
Today · 4.125%
HK$48,699
baseline
▲ 0.50% · 4.625%
HK$51,266
+HK$2,567/mo
Deposit HK$1.01M · loan HK$9.11M · min. income ≈ HK$97,398/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,446 · Scale 2, in force from 26 Feb 2026)