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$23,131
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$23,850
−HK$731/mo
Today · 4.125%
HK$24,581
baseline
▲ 0.50% · 4.625%
HK$26,077
+HK$1,496/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$49,162/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$380,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,733
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$26,423
−HK$700/mo
Today · 4.125%
HK$27,123
baseline
▲ 0.50% · 4.625%
HK$28,553
+HK$1,430/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$54,246/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$380,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,757
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$28,620
−HK$878/mo
Today · 4.125%
HK$29,498
baseline
▲ 0.50% · 4.625%
HK$31,293
+HK$1,795/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$58,996/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,879
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$31,708
−HK$840/mo
Today · 4.125%
HK$32,548
baseline
▲ 0.50% · 4.625%
HK$34,263
+HK$1,715/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$65,096/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,383
−HK$2,031/mo
▼ 0.25% · 3.875%
HK$33,391
−HK$1,023/mo
Today · 4.125%
HK$34,414
baseline
▲ 0.50% · 4.625%
HK$36,508
+HK$2,094/mo
Deposit HK$3.04M · loan HK$7.10M · min. income ≈ HK$68,828/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$380,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,026
−HK$1,946/mo
▼ 0.25% · 3.875%
HK$36,992
−HK$980/mo
Today · 4.125%
HK$37,972
baseline
▲ 0.50% · 4.625%
HK$39,974
+HK$2,002/mo
Deposit HK$3.04M · loan HK$7.10M · min. income ≈ HK$75,944/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$380,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,636
−HK$2,611/mo
▼ 0.25% · 3.875%
HK$42,931
−HK$1,316/mo
Today · 4.125%
HK$44,247
baseline
▲ 0.50% · 4.625%
HK$46,939
+HK$2,692/mo
Deposit HK$1.01M · loan HK$9.13M · min. income ≈ HK$88,494/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$380,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,319
−HK$2,503/mo
▼ 0.25% · 3.875%
HK$47,561
−HK$1,261/mo
Today · 4.125%
HK$48,822
baseline
▲ 0.50% · 4.625%
HK$51,395
+HK$2,573/mo
Deposit HK$1.01M · loan HK$9.13M · min. income ≈ HK$97,644/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$380,400 · Scale 2, in force from 26 Feb 2026)