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$23,104
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$23,822
−HK$730/mo
Today · 4.125%
HK$24,552
baseline
▲ 0.50% · 4.625%
HK$26,046
+HK$1,494/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$49,104/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$379,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,702
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$26,392
−HK$699/mo
Today · 4.125%
HK$27,091
baseline
▲ 0.50% · 4.625%
HK$28,519
+HK$1,428/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$54,182/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$379,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,724
−HK$1,739/mo
▼ 0.25% · 3.875%
HK$28,587
−HK$876/mo
Today · 4.125%
HK$29,463
baseline
▲ 0.50% · 4.625%
HK$31,256
+HK$1,793/mo
Deposit HK$4.05M · loan HK$6.08M · min. income ≈ HK$58,926/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$379,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,843
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$31,670
−HK$839/mo
Today · 4.125%
HK$32,509
baseline
▲ 0.50% · 4.625%
HK$34,223
+HK$1,714/mo
Deposit HK$4.05M · loan HK$6.08M · min. income ≈ HK$65,018/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$379,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,345
−HK$2,028/mo
▼ 0.25% · 3.875%
HK$33,351
−HK$1,022/mo
Today · 4.125%
HK$34,373
baseline
▲ 0.50% · 4.625%
HK$36,465
+HK$2,092/mo
Deposit HK$3.04M · loan HK$7.09M · min. income ≈ HK$68,746/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$379,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,983
−HK$1,944/mo
▼ 0.25% · 3.875%
HK$36,948
−HK$979/mo
Today · 4.125%
HK$37,927
baseline
▲ 0.50% · 4.625%
HK$39,927
+HK$2,000/mo
Deposit HK$3.04M · loan HK$7.09M · min. income ≈ HK$75,854/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$379,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,586
−HK$2,608/mo
▼ 0.25% · 3.875%
HK$42,880
−HK$1,314/mo
Today · 4.125%
HK$44,194
baseline
▲ 0.50% · 4.625%
HK$46,883
+HK$2,689/mo
Deposit HK$1.01M · loan HK$9.12M · min. income ≈ HK$88,388/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,264
−HK$2,500/mo
▼ 0.25% · 3.875%
HK$47,505
−HK$1,259/mo
Today · 4.125%
HK$48,764
baseline
▲ 0.50% · 4.625%
HK$51,334
+HK$2,570/mo
Deposit HK$1.01M · loan HK$9.12M · min. income ≈ HK$97,528/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,950 · Scale 2, in force from 26 Feb 2026)