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$23,162
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$23,882
−HK$732/mo
Today · 4.125%
HK$24,614
baseline
▲ 0.50% · 4.625%
HK$26,112
+HK$1,498/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$49,228/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$380,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,767
−HK$1,393/mo
▼ 0.25% · 3.875%
HK$26,458
−HK$702/mo
Today · 4.125%
HK$27,160
baseline
▲ 0.50% · 4.625%
HK$28,591
+HK$1,431/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$54,320/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$380,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,794
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$28,659
−HK$878/mo
Today · 4.125%
HK$29,537
baseline
▲ 0.50% · 4.625%
HK$31,334
+HK$1,797/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$59,074/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,921
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$31,750
−HK$841/mo
Today · 4.125%
HK$32,591
baseline
▲ 0.50% · 4.625%
HK$34,309
+HK$1,718/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$65,182/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,427
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$33,435
−HK$1,025/mo
Today · 4.125%
HK$34,460
baseline
▲ 0.50% · 4.625%
HK$36,557
+HK$2,097/mo
Deposit HK$3.05M · loan HK$7.11M · min. income ≈ HK$68,920/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$380,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,074
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$37,042
−HK$981/mo
Today · 4.125%
HK$38,023
baseline
▲ 0.50% · 4.625%
HK$40,028
+HK$2,005/mo
Deposit HK$3.05M · loan HK$7.11M · min. income ≈ HK$76,046/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$380,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,691
−HK$2,615/mo
▼ 0.25% · 3.875%
HK$42,988
−HK$1,318/mo
Today · 4.125%
HK$44,306
baseline
▲ 0.50% · 4.625%
HK$47,002
+HK$2,696/mo
Deposit HK$1.02M · loan HK$9.14M · min. income ≈ HK$88,612/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$380,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,381
−HK$2,506/mo
▼ 0.25% · 3.875%
HK$47,625
−HK$1,262/mo
Today · 4.125%
HK$48,887
baseline
▲ 0.50% · 4.625%
HK$51,464
+HK$2,577/mo
Deposit HK$1.02M · loan HK$9.14M · min. income ≈ HK$97,774/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$380,910 · Scale 2, in force from 26 Feb 2026)