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$23,092
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$23,811
−HK$729/mo
Today · 4.125%
HK$24,540
baseline
▲ 0.50% · 4.625%
HK$26,034
+HK$1,494/mo
Deposit HK$5.06M · loan HK$5.06M · min. income ≈ HK$49,080/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$379,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,690
−HK$1,388/mo
▼ 0.25% · 3.875%
HK$26,379
−HK$699/mo
Today · 4.125%
HK$27,078
baseline
▲ 0.50% · 4.625%
HK$28,505
+HK$1,427/mo
Deposit HK$5.06M · loan HK$5.06M · min. income ≈ HK$54,156/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$379,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,711
−HK$1,737/mo
▼ 0.25% · 3.875%
HK$28,573
−HK$875/mo
Today · 4.125%
HK$29,448
baseline
▲ 0.50% · 4.625%
HK$31,240
+HK$1,792/mo
Deposit HK$4.05M · loan HK$6.08M · min. income ≈ HK$58,896/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$379,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,828
−HK$1,665/mo
▼ 0.25% · 3.875%
HK$31,655
−HK$838/mo
Today · 4.125%
HK$32,493
baseline
▲ 0.50% · 4.625%
HK$34,206
+HK$1,713/mo
Deposit HK$4.05M · loan HK$6.08M · min. income ≈ HK$64,986/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$379,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,329
−HK$2,027/mo
▼ 0.25% · 3.875%
HK$33,335
−HK$1,021/mo
Today · 4.125%
HK$34,356
baseline
▲ 0.50% · 4.625%
HK$36,447
+HK$2,091/mo
Deposit HK$3.04M · loan HK$7.09M · min. income ≈ HK$68,712/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$379,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,966
−HK$1,943/mo
▼ 0.25% · 3.875%
HK$36,930
−HK$979/mo
Today · 4.125%
HK$37,909
baseline
▲ 0.50% · 4.625%
HK$39,907
+HK$1,998/mo
Deposit HK$3.04M · loan HK$7.09M · min. income ≈ HK$75,818/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$379,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,566
−HK$2,607/mo
▼ 0.25% · 3.875%
HK$42,859
−HK$1,314/mo
Today · 4.125%
HK$44,173
baseline
▲ 0.50% · 4.625%
HK$46,860
+HK$2,687/mo
Deposit HK$1.01M · loan HK$9.11M · min. income ≈ HK$88,346/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,242
−HK$2,498/mo
▼ 0.25% · 3.875%
HK$47,482
−HK$1,258/mo
Today · 4.125%
HK$48,740
baseline
▲ 0.50% · 4.625%
HK$51,309
+HK$2,569/mo
Deposit HK$1.01M · loan HK$9.11M · min. income ≈ HK$97,480/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,764 · Scale 2, in force from 26 Feb 2026)