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$23,174
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$23,894
−HK$733/mo
Today · 4.125%
HK$24,627
baseline
▲ 0.50% · 4.625%
HK$26,125
+HK$1,498/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$49,254/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$381,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,780
−HK$1,393/mo
▼ 0.25% · 3.875%
HK$26,472
−HK$701/mo
Today · 4.125%
HK$27,173
baseline
▲ 0.50% · 4.625%
HK$28,606
+HK$1,433/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$54,346/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$381,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,808
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$28,673
−HK$879/mo
Today · 4.125%
HK$29,552
baseline
▲ 0.50% · 4.625%
HK$31,350
+HK$1,798/mo
Deposit HK$4.07M · loan HK$6.10M · min. income ≈ HK$59,104/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,937
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$31,766
−HK$842/mo
Today · 4.125%
HK$32,608
baseline
▲ 0.50% · 4.625%
HK$34,327
+HK$1,719/mo
Deposit HK$4.07M · loan HK$6.10M · min. income ≈ HK$65,216/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,443
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$33,452
−HK$1,026/mo
Today · 4.125%
HK$34,478
baseline
▲ 0.50% · 4.625%
HK$36,575
+HK$2,097/mo
Deposit HK$3.05M · loan HK$7.11M · min. income ≈ HK$68,956/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$381,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,093
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$37,061
−HK$982/mo
Today · 4.125%
HK$38,043
baseline
▲ 0.50% · 4.625%
HK$40,048
+HK$2,005/mo
Deposit HK$3.05M · loan HK$7.11M · min. income ≈ HK$76,086/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$381,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,713
−HK$2,615/mo
▼ 0.25% · 3.875%
HK$43,010
−HK$1,318/mo
Today · 4.125%
HK$44,328
baseline
▲ 0.50% · 4.625%
HK$47,026
+HK$2,698/mo
Deposit HK$1.02M · loan HK$9.15M · min. income ≈ HK$88,656/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,405
−HK$2,507/mo
▼ 0.25% · 3.875%
HK$47,649
−HK$1,263/mo
Today · 4.125%
HK$48,912
baseline
▲ 0.50% · 4.625%
HK$51,490
+HK$2,578/mo
Deposit HK$1.02M · loan HK$9.15M · min. income ≈ HK$97,824/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,103 · Scale 2, in force from 26 Feb 2026)