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$23,223
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$23,945
−HK$734/mo
Today · 4.125%
HK$24,679
baseline
▲ 0.50% · 4.625%
HK$26,181
+HK$1,502/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$49,358/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$381,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,835
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$26,528
−HK$703/mo
Today · 4.125%
HK$27,231
baseline
▲ 0.50% · 4.625%
HK$28,667
+HK$1,436/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$54,462/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$381,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,868
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$28,734
−HK$881/mo
Today · 4.125%
HK$29,615
baseline
▲ 0.50% · 4.625%
HK$31,417
+HK$1,802/mo
Deposit HK$4.07M · loan HK$6.11M · min. income ≈ HK$59,230/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$381,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,002
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$31,834
−HK$843/mo
Today · 4.125%
HK$32,677
baseline
▲ 0.50% · 4.625%
HK$34,400
+HK$1,723/mo
Deposit HK$4.07M · loan HK$6.11M · min. income ≈ HK$65,354/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$381,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,512
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$33,524
−HK$1,027/mo
Today · 4.125%
HK$34,551
baseline
▲ 0.50% · 4.625%
HK$36,653
+HK$2,102/mo
Deposit HK$3.06M · loan HK$7.13M · min. income ≈ HK$69,102/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$381,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,170
−HK$1,954/mo
▼ 0.25% · 3.875%
HK$37,140
−HK$984/mo
Today · 4.125%
HK$38,124
baseline
▲ 0.50% · 4.625%
HK$40,133
+HK$2,009/mo
Deposit HK$3.06M · loan HK$7.13M · min. income ≈ HK$76,248/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$381,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,801
−HK$2,622/mo
▼ 0.25% · 3.875%
HK$43,102
−HK$1,321/mo
Today · 4.125%
HK$44,423
baseline
▲ 0.50% · 4.625%
HK$47,126
+HK$2,703/mo
Deposit HK$1.02M · loan HK$9.17M · min. income ≈ HK$88,846/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,504
−HK$2,512/mo
▼ 0.25% · 3.875%
HK$47,751
−HK$1,265/mo
Today · 4.125%
HK$49,016
baseline
▲ 0.50% · 4.625%
HK$51,600
+HK$2,584/mo
Deposit HK$1.02M · loan HK$9.17M · min. income ≈ HK$98,032/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,915 · Scale 2, in force from 26 Feb 2026)