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$23,211
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$23,933
−HK$734/mo
Today · 4.125%
HK$24,667
baseline
▲ 0.50% · 4.625%
HK$26,168
+HK$1,501/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$49,334/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$381,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,822
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$26,515
−HK$703/mo
Today · 4.125%
HK$27,218
baseline
▲ 0.50% · 4.625%
HK$28,652
+HK$1,434/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$54,436/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$381,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,854
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$28,720
−HK$880/mo
Today · 4.125%
HK$29,600
baseline
▲ 0.50% · 4.625%
HK$31,401
+HK$1,801/mo
Deposit HK$4.07M · loan HK$6.11M · min. income ≈ HK$59,200/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,987
−HK$1,674/mo
▼ 0.25% · 3.875%
HK$31,818
−HK$843/mo
Today · 4.125%
HK$32,661
baseline
▲ 0.50% · 4.625%
HK$34,383
+HK$1,722/mo
Deposit HK$4.07M · loan HK$6.11M · min. income ≈ HK$65,322/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,496
−HK$2,038/mo
▼ 0.25% · 3.875%
HK$33,507
−HK$1,027/mo
Today · 4.125%
HK$34,534
baseline
▲ 0.50% · 4.625%
HK$36,635
+HK$2,101/mo
Deposit HK$3.05M · loan HK$7.13M · min. income ≈ HK$69,068/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$381,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,151
−HK$1,954/mo
▼ 0.25% · 3.875%
HK$37,121
−HK$984/mo
Today · 4.125%
HK$38,105
baseline
▲ 0.50% · 4.625%
HK$40,113
+HK$2,008/mo
Deposit HK$3.05M · loan HK$7.13M · min. income ≈ HK$76,210/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$381,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,781
−HK$2,620/mo
▼ 0.25% · 3.875%
HK$43,080
−HK$1,321/mo
Today · 4.125%
HK$44,401
baseline
▲ 0.50% · 4.625%
HK$47,102
+HK$2,701/mo
Deposit HK$1.02M · loan HK$9.16M · min. income ≈ HK$88,802/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,480
−HK$2,512/mo
▼ 0.25% · 3.875%
HK$47,727
−HK$1,265/mo
Today · 4.125%
HK$48,992
baseline
▲ 0.50% · 4.625%
HK$51,574
+HK$2,582/mo
Deposit HK$1.02M · loan HK$9.16M · min. income ≈ HK$97,984/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,724 · Scale 2, in force from 26 Feb 2026)