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$23,113
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$23,832
−HK$730/mo
Today · 4.125%
HK$24,562
baseline
▲ 0.50% · 4.625%
HK$26,057
+HK$1,495/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$49,124/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$380,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,713
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$26,403
−HK$699/mo
Today · 4.125%
HK$27,102
baseline
▲ 0.50% · 4.625%
HK$28,531
+HK$1,429/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$54,204/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$380,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,736
−HK$1,739/mo
▼ 0.25% · 3.875%
HK$28,598
−HK$877/mo
Today · 4.125%
HK$29,475
baseline
▲ 0.50% · 4.625%
HK$31,268
+HK$1,793/mo
Deposit HK$4.05M · loan HK$6.08M · min. income ≈ HK$58,950/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$380,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,856
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$31,683
−HK$840/mo
Today · 4.125%
HK$32,523
baseline
▲ 0.50% · 4.625%
HK$34,237
+HK$1,714/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$380,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,358
−HK$2,029/mo
▼ 0.25% · 3.875%
HK$33,365
−HK$1,022/mo
Today · 4.125%
HK$34,387
baseline
▲ 0.50% · 4.625%
HK$36,480
+HK$2,093/mo
Deposit HK$3.04M · loan HK$7.10M · min. income ≈ HK$68,774/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$380,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,998
−HK$1,945/mo
▼ 0.25% · 3.875%
HK$36,964
−HK$979/mo
Today · 4.125%
HK$37,943
baseline
▲ 0.50% · 4.625%
HK$39,943
+HK$2,000/mo
Deposit HK$3.04M · loan HK$7.10M · min. income ≈ HK$75,886/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$380,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,603
−HK$2,609/mo
▼ 0.25% · 3.875%
HK$42,898
−HK$1,314/mo
Today · 4.125%
HK$44,212
baseline
▲ 0.50% · 4.625%
HK$46,903
+HK$2,691/mo
Deposit HK$1.01M · loan HK$9.12M · min. income ≈ HK$88,424/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$380,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,283
−HK$2,501/mo
▼ 0.25% · 3.875%
HK$47,525
−HK$1,259/mo
Today · 4.125%
HK$48,784
baseline
▲ 0.50% · 4.625%
HK$51,355
+HK$2,571/mo
Deposit HK$1.01M · loan HK$9.12M · min. income ≈ HK$97,568/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$380,106 · Scale 2, in force from 26 Feb 2026)