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$23,117
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$23,836
−HK$730/mo
Today · 4.125%
HK$24,566
baseline
▲ 0.50% · 4.625%
HK$26,061
+HK$1,495/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$49,132/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$380,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,717
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$26,407
−HK$699/mo
Today · 4.125%
HK$27,106
baseline
▲ 0.50% · 4.625%
HK$28,535
+HK$1,429/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$54,212/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$380,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,740
−HK$1,739/mo
▼ 0.25% · 3.875%
HK$28,603
−HK$876/mo
Today · 4.125%
HK$29,479
baseline
▲ 0.50% · 4.625%
HK$31,273
+HK$1,794/mo
Deposit HK$4.06M · loan HK$6.08M · min. income ≈ HK$58,958/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,860
−HK$1,668/mo
▼ 0.25% · 3.875%
HK$31,688
−HK$840/mo
Today · 4.125%
HK$32,528
baseline
▲ 0.50% · 4.625%
HK$34,242
+HK$1,714/mo
Deposit HK$4.06M · loan HK$6.08M · min. income ≈ HK$65,056/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,363
−HK$2,030/mo
▼ 0.25% · 3.875%
HK$33,370
−HK$1,023/mo
Today · 4.125%
HK$34,393
baseline
▲ 0.50% · 4.625%
HK$36,485
+HK$2,092/mo
Deposit HK$3.04M · loan HK$7.10M · min. income ≈ HK$68,786/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$380,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,004
−HK$1,945/mo
▼ 0.25% · 3.875%
HK$36,969
−HK$980/mo
Today · 4.125%
HK$37,949
baseline
▲ 0.50% · 4.625%
HK$39,949
+HK$2,000/mo
Deposit HK$3.04M · loan HK$7.10M · min. income ≈ HK$75,898/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$380,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,610
−HK$2,609/mo
▼ 0.25% · 3.875%
HK$42,904
−HK$1,315/mo
Today · 4.125%
HK$44,219
baseline
▲ 0.50% · 4.625%
HK$46,910
+HK$2,691/mo
Deposit HK$1.01M · loan HK$9.12M · min. income ≈ HK$88,438/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$380,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,291
−HK$2,501/mo
▼ 0.25% · 3.875%
HK$47,532
−HK$1,260/mo
Today · 4.125%
HK$48,792
baseline
▲ 0.50% · 4.625%
HK$51,363
+HK$2,571/mo
Deposit HK$1.01M · loan HK$9.12M · min. income ≈ HK$97,584/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$380,165 · Scale 2, in force from 26 Feb 2026)