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$23,142
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$23,862
−HK$731/mo
Today · 4.125%
HK$24,593
baseline
▲ 0.50% · 4.625%
HK$26,090
+HK$1,497/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$49,186/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$380,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,745
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$26,436
−HK$700/mo
Today · 4.125%
HK$27,136
baseline
▲ 0.50% · 4.625%
HK$28,567
+HK$1,431/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$54,272/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$380,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,771
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$28,634
−HK$878/mo
Today · 4.125%
HK$29,512
baseline
▲ 0.50% · 4.625%
HK$31,308
+HK$1,796/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$59,024/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,895
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$31,723
−HK$841/mo
Today · 4.125%
HK$32,564
baseline
▲ 0.50% · 4.625%
HK$34,280
+HK$1,716/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$65,128/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,399
−HK$2,032/mo
▼ 0.25% · 3.875%
HK$33,407
−HK$1,024/mo
Today · 4.125%
HK$34,431
baseline
▲ 0.50% · 4.625%
HK$36,526
+HK$2,095/mo
Deposit HK$3.04M · loan HK$7.10M · min. income ≈ HK$68,862/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$380,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,044
−HK$1,947/mo
▼ 0.25% · 3.875%
HK$37,010
−HK$981/mo
Today · 4.125%
HK$37,991
baseline
▲ 0.50% · 4.625%
HK$39,994
+HK$2,003/mo
Deposit HK$3.04M · loan HK$7.10M · min. income ≈ HK$75,982/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$380,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,656
−HK$2,612/mo
▼ 0.25% · 3.875%
HK$42,952
−HK$1,316/mo
Today · 4.125%
HK$44,268
baseline
▲ 0.50% · 4.625%
HK$46,962
+HK$2,694/mo
Deposit HK$1.01M · loan HK$9.13M · min. income ≈ HK$88,536/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$380,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,342
−HK$2,504/mo
▼ 0.25% · 3.875%
HK$47,585
−HK$1,261/mo
Today · 4.125%
HK$48,846
baseline
▲ 0.50% · 4.625%
HK$51,420
+HK$2,574/mo
Deposit HK$1.01M · loan HK$9.13M · min. income ≈ HK$97,692/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$380,586 · Scale 2, in force from 26 Feb 2026)