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$23,138
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$23,858
−HK$731/mo
Today · 4.125%
HK$24,589
baseline
▲ 0.50% · 4.625%
HK$26,086
+HK$1,497/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$49,178/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$380,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,741
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$26,432
−HK$700/mo
Today · 4.125%
HK$27,132
baseline
▲ 0.50% · 4.625%
HK$28,562
+HK$1,430/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$54,264/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$380,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,766
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$28,630
−HK$877/mo
Today · 4.125%
HK$29,507
baseline
▲ 0.50% · 4.625%
HK$31,303
+HK$1,796/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$59,014/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,890
−HK$1,668/mo
▼ 0.25% · 3.875%
HK$31,718
−HK$840/mo
Today · 4.125%
HK$32,558
baseline
▲ 0.50% · 4.625%
HK$34,275
+HK$1,717/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$65,116/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,394
−HK$2,031/mo
▼ 0.25% · 3.875%
HK$33,402
−HK$1,023/mo
Today · 4.125%
HK$34,425
baseline
▲ 0.50% · 4.625%
HK$36,520
+HK$2,095/mo
Deposit HK$3.04M · loan HK$7.10M · min. income ≈ HK$68,850/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$380,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,038
−HK$1,947/mo
▼ 0.25% · 3.875%
HK$37,004
−HK$981/mo
Today · 4.125%
HK$37,985
baseline
▲ 0.50% · 4.625%
HK$39,987
+HK$2,002/mo
Deposit HK$3.04M · loan HK$7.10M · min. income ≈ HK$75,970/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$380,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,649
−HK$2,612/mo
▼ 0.25% · 3.875%
HK$42,945
−HK$1,316/mo
Today · 4.125%
HK$44,261
baseline
▲ 0.50% · 4.625%
HK$46,954
+HK$2,693/mo
Deposit HK$1.01M · loan HK$9.13M · min. income ≈ HK$88,522/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$380,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,334
−HK$2,504/mo
▼ 0.25% · 3.875%
HK$47,577
−HK$1,261/mo
Today · 4.125%
HK$48,838
baseline
▲ 0.50% · 4.625%
HK$51,412
+HK$2,574/mo
Deposit HK$1.01M · loan HK$9.13M · min. income ≈ HK$97,676/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$380,525 · Scale 2, in force from 26 Feb 2026)