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$23,055
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$23,773
−HK$728/mo
Today · 4.125%
HK$24,501
baseline
▲ 0.50% · 4.625%
HK$25,992
+HK$1,491/mo
Deposit HK$5.06M · loan HK$5.06M · min. income ≈ HK$49,002/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$379,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,649
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$26,337
−HK$698/mo
Today · 4.125%
HK$27,035
baseline
▲ 0.50% · 4.625%
HK$28,460
+HK$1,425/mo
Deposit HK$5.06M · loan HK$5.06M · min. income ≈ HK$54,070/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$379,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,667
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$28,527
−HK$874/mo
Today · 4.125%
HK$29,401
baseline
▲ 0.50% · 4.625%
HK$31,190
+HK$1,789/mo
Deposit HK$4.04M · loan HK$6.07M · min. income ≈ HK$58,802/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$379,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,779
−HK$1,663/mo
▼ 0.25% · 3.875%
HK$31,604
−HK$838/mo
Today · 4.125%
HK$32,442
baseline
▲ 0.50% · 4.625%
HK$34,152
+HK$1,710/mo
Deposit HK$4.04M · loan HK$6.07M · min. income ≈ HK$64,884/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$379,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,278
−HK$2,024/mo
▼ 0.25% · 3.875%
HK$33,282
−HK$1,020/mo
Today · 4.125%
HK$34,302
baseline
▲ 0.50% · 4.625%
HK$36,389
+HK$2,087/mo
Deposit HK$3.03M · loan HK$7.08M · min. income ≈ HK$68,604/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$379,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,909
−HK$1,940/mo
▼ 0.25% · 3.875%
HK$36,872
−HK$977/mo
Today · 4.125%
HK$37,849
baseline
▲ 0.50% · 4.625%
HK$39,844
+HK$1,995/mo
Deposit HK$3.03M · loan HK$7.08M · min. income ≈ HK$75,698/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$379,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,500
−HK$2,602/mo
▼ 0.25% · 3.875%
HK$42,791
−HK$1,311/mo
Today · 4.125%
HK$44,102
baseline
▲ 0.50% · 4.625%
HK$46,786
+HK$2,684/mo
Deposit HK$1.01M · loan HK$9.10M · min. income ≈ HK$88,204/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,168
−HK$2,494/mo
▼ 0.25% · 3.875%
HK$47,406
−HK$1,256/mo
Today · 4.125%
HK$48,662
baseline
▲ 0.50% · 4.625%
HK$51,227
+HK$2,565/mo
Deposit HK$1.01M · loan HK$9.10M · min. income ≈ HK$97,324/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,159 · Scale 2, in force from 26 Feb 2026)