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$23,221
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$23,943
−HK$734/mo
Today · 4.125%
HK$24,677
baseline
▲ 0.50% · 4.625%
HK$26,178
+HK$1,501/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$49,354/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$381,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,833
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$26,526
−HK$703/mo
Today · 4.125%
HK$27,229
baseline
▲ 0.50% · 4.625%
HK$28,664
+HK$1,435/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$54,458/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$381,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,865
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$28,732
−HK$880/mo
Today · 4.125%
HK$29,612
baseline
▲ 0.50% · 4.625%
HK$31,414
+HK$1,802/mo
Deposit HK$4.07M · loan HK$6.11M · min. income ≈ HK$59,224/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$381,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,999
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$31,831
−HK$843/mo
Today · 4.125%
HK$32,674
baseline
▲ 0.50% · 4.625%
HK$34,397
+HK$1,723/mo
Deposit HK$4.07M · loan HK$6.11M · min. income ≈ HK$65,348/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$381,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,509
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$33,520
−HK$1,028/mo
Today · 4.125%
HK$34,548
baseline
▲ 0.50% · 4.625%
HK$36,650
+HK$2,102/mo
Deposit HK$3.06M · loan HK$7.13M · min. income ≈ HK$69,096/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$381,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,166
−HK$1,954/mo
▼ 0.25% · 3.875%
HK$37,136
−HK$984/mo
Today · 4.125%
HK$38,120
baseline
▲ 0.50% · 4.625%
HK$40,129
+HK$2,009/mo
Deposit HK$3.06M · loan HK$7.13M · min. income ≈ HK$76,240/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$381,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,797
−HK$2,621/mo
▼ 0.25% · 3.875%
HK$43,098
−HK$1,320/mo
Today · 4.125%
HK$44,418
baseline
▲ 0.50% · 4.625%
HK$47,121
+HK$2,703/mo
Deposit HK$1.02M · loan HK$9.17M · min. income ≈ HK$88,836/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,499
−HK$2,512/mo
▼ 0.25% · 3.875%
HK$47,746
−HK$1,265/mo
Today · 4.125%
HK$49,011
baseline
▲ 0.50% · 4.625%
HK$51,595
+HK$2,584/mo
Deposit HK$1.02M · loan HK$9.17M · min. income ≈ HK$98,022/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,878 · Scale 2, in force from 26 Feb 2026)