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$23,139
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$23,859
−HK$731/mo
Today · 4.125%
HK$24,590
baseline
▲ 0.50% · 4.625%
HK$26,086
+HK$1,496/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$49,180/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$380,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,742
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$26,432
−HK$701/mo
Today · 4.125%
HK$27,133
baseline
▲ 0.50% · 4.625%
HK$28,563
+HK$1,430/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$54,266/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$380,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,767
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$28,631
−HK$877/mo
Today · 4.125%
HK$29,508
baseline
▲ 0.50% · 4.625%
HK$31,304
+HK$1,796/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$59,016/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,890
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$31,719
−HK$840/mo
Today · 4.125%
HK$32,559
baseline
▲ 0.50% · 4.625%
HK$34,276
+HK$1,717/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$65,118/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,395
−HK$2,031/mo
▼ 0.25% · 3.875%
HK$33,402
−HK$1,024/mo
Today · 4.125%
HK$34,426
baseline
▲ 0.50% · 4.625%
HK$36,521
+HK$2,095/mo
Deposit HK$3.04M · loan HK$7.10M · min. income ≈ HK$68,852/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$380,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,039
−HK$1,947/mo
▼ 0.25% · 3.875%
HK$37,005
−HK$981/mo
Today · 4.125%
HK$37,986
baseline
▲ 0.50% · 4.625%
HK$39,988
+HK$2,002/mo
Deposit HK$3.04M · loan HK$7.10M · min. income ≈ HK$75,972/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$380,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,650
−HK$2,612/mo
▼ 0.25% · 3.875%
HK$42,946
−HK$1,316/mo
Today · 4.125%
HK$44,262
baseline
▲ 0.50% · 4.625%
HK$46,955
+HK$2,693/mo
Deposit HK$1.01M · loan HK$9.13M · min. income ≈ HK$88,524/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$380,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,336
−HK$2,503/mo
▼ 0.25% · 3.875%
HK$47,578
−HK$1,261/mo
Today · 4.125%
HK$48,839
baseline
▲ 0.50% · 4.625%
HK$51,413
+HK$2,574/mo
Deposit HK$1.01M · loan HK$9.13M · min. income ≈ HK$97,678/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$380,534 · Scale 2, in force from 26 Feb 2026)