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$23,157
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$23,877
−HK$732/mo
Today · 4.125%
HK$24,609
baseline
▲ 0.50% · 4.625%
HK$26,106
+HK$1,497/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$49,218/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$380,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,761
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$26,452
−HK$701/mo
Today · 4.125%
HK$27,153
baseline
▲ 0.50% · 4.625%
HK$28,584
+HK$1,431/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$54,306/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$380,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,788
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$28,652
−HK$878/mo
Today · 4.125%
HK$29,530
baseline
▲ 0.50% · 4.625%
HK$31,327
+HK$1,797/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$59,060/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,914
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$31,743
−HK$841/mo
Today · 4.125%
HK$32,584
baseline
▲ 0.50% · 4.625%
HK$34,301
+HK$1,717/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$65,168/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,419
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$33,428
−HK$1,024/mo
Today · 4.125%
HK$34,452
baseline
▲ 0.50% · 4.625%
HK$36,548
+HK$2,096/mo
Deposit HK$3.05M · loan HK$7.11M · min. income ≈ HK$68,904/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$380,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,066
−HK$1,948/mo
▼ 0.25% · 3.875%
HK$37,033
−HK$981/mo
Today · 4.125%
HK$38,014
baseline
▲ 0.50% · 4.625%
HK$40,018
+HK$2,004/mo
Deposit HK$3.05M · loan HK$7.11M · min. income ≈ HK$76,028/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$380,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,682
−HK$2,614/mo
▼ 0.25% · 3.875%
HK$42,978
−HK$1,318/mo
Today · 4.125%
HK$44,296
baseline
▲ 0.50% · 4.625%
HK$46,991
+HK$2,695/mo
Deposit HK$1.02M · loan HK$9.14M · min. income ≈ HK$88,592/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$380,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,370
−HK$2,506/mo
▼ 0.25% · 3.875%
HK$47,614
−HK$1,262/mo
Today · 4.125%
HK$48,876
baseline
▲ 0.50% · 4.625%
HK$51,452
+HK$2,576/mo
Deposit HK$1.02M · loan HK$9.14M · min. income ≈ HK$97,752/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$380,821 · Scale 2, in force from 26 Feb 2026)