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$23,219
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$23,942
−HK$733/mo
Today · 4.125%
HK$24,675
baseline
▲ 0.50% · 4.625%
HK$26,177
+HK$1,502/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$49,350/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$381,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,831
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$26,524
−HK$703/mo
Today · 4.125%
HK$27,227
baseline
▲ 0.50% · 4.625%
HK$28,662
+HK$1,435/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$54,454/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$381,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,863
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$28,730
−HK$880/mo
Today · 4.125%
HK$29,610
baseline
▲ 0.50% · 4.625%
HK$31,412
+HK$1,802/mo
Deposit HK$4.07M · loan HK$6.11M · min. income ≈ HK$59,220/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,997
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$31,829
−HK$843/mo
Today · 4.125%
HK$32,672
baseline
▲ 0.50% · 4.625%
HK$34,394
+HK$1,722/mo
Deposit HK$4.07M · loan HK$6.11M · min. income ≈ HK$65,344/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,507
−HK$2,038/mo
▼ 0.25% · 3.875%
HK$33,518
−HK$1,027/mo
Today · 4.125%
HK$34,545
baseline
▲ 0.50% · 4.625%
HK$36,647
+HK$2,102/mo
Deposit HK$3.05M · loan HK$7.13M · min. income ≈ HK$69,090/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$381,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,164
−HK$1,953/mo
▼ 0.25% · 3.875%
HK$37,134
−HK$983/mo
Today · 4.125%
HK$38,117
baseline
▲ 0.50% · 4.625%
HK$40,127
+HK$2,010/mo
Deposit HK$3.05M · loan HK$7.13M · min. income ≈ HK$76,234/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$381,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,795
−HK$2,621/mo
▼ 0.25% · 3.875%
HK$43,095
−HK$1,321/mo
Today · 4.125%
HK$44,416
baseline
▲ 0.50% · 4.625%
HK$47,118
+HK$2,702/mo
Deposit HK$1.02M · loan HK$9.16M · min. income ≈ HK$88,832/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,496
−HK$2,512/mo
▼ 0.25% · 3.875%
HK$47,743
−HK$1,265/mo
Today · 4.125%
HK$49,008
baseline
▲ 0.50% · 4.625%
HK$51,591
+HK$2,583/mo
Deposit HK$1.02M · loan HK$9.16M · min. income ≈ HK$98,016/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,853 · Scale 2, in force from 26 Feb 2026)