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$23,114
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$23,833
−HK$730/mo
Today · 4.125%
HK$24,563
baseline
▲ 0.50% · 4.625%
HK$26,058
+HK$1,495/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$49,126/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$380,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,714
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$26,403
−HK$700/mo
Today · 4.125%
HK$27,103
baseline
▲ 0.50% · 4.625%
HK$28,532
+HK$1,429/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$54,206/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$380,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,736
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$28,599
−HK$877/mo
Today · 4.125%
HK$29,476
baseline
▲ 0.50% · 4.625%
HK$31,269
+HK$1,793/mo
Deposit HK$4.05M · loan HK$6.08M · min. income ≈ HK$58,952/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$380,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,856
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$31,684
−HK$839/mo
Today · 4.125%
HK$32,523
baseline
▲ 0.50% · 4.625%
HK$34,238
+HK$1,715/mo
Deposit HK$4.05M · loan HK$6.08M · min. income ≈ HK$65,046/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$380,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,359
−HK$2,029/mo
▼ 0.25% · 3.875%
HK$33,366
−HK$1,022/mo
Today · 4.125%
HK$34,388
baseline
▲ 0.50% · 4.625%
HK$36,481
+HK$2,093/mo
Deposit HK$3.04M · loan HK$7.10M · min. income ≈ HK$68,776/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$380,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,999
−HK$1,945/mo
▼ 0.25% · 3.875%
HK$36,965
−HK$979/mo
Today · 4.125%
HK$37,944
baseline
▲ 0.50% · 4.625%
HK$39,944
+HK$2,000/mo
Deposit HK$3.04M · loan HK$7.10M · min. income ≈ HK$75,888/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$380,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,605
−HK$2,608/mo
▼ 0.25% · 3.875%
HK$42,899
−HK$1,314/mo
Today · 4.125%
HK$44,213
baseline
▲ 0.50% · 4.625%
HK$46,904
+HK$2,691/mo
Deposit HK$1.01M · loan HK$9.12M · min. income ≈ HK$88,426/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$380,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,285
−HK$2,500/mo
▼ 0.25% · 3.875%
HK$47,526
−HK$1,259/mo
Today · 4.125%
HK$48,785
baseline
▲ 0.50% · 4.625%
HK$51,357
+HK$2,572/mo
Deposit HK$1.01M · loan HK$9.12M · min. income ≈ HK$97,570/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$380,116 · Scale 2, in force from 26 Feb 2026)