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$23,229
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$23,951
−HK$734/mo
Today · 4.125%
HK$24,685
baseline
▲ 0.50% · 4.625%
HK$26,188
+HK$1,503/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$49,370/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$382,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,842
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$26,535
−HK$703/mo
Today · 4.125%
HK$27,238
baseline
▲ 0.50% · 4.625%
HK$28,674
+HK$1,436/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$54,476/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$382,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,875
−HK$1,748/mo
▼ 0.25% · 3.875%
HK$28,742
−HK$881/mo
Today · 4.125%
HK$29,623
baseline
▲ 0.50% · 4.625%
HK$31,425
+HK$1,802/mo
Deposit HK$4.07M · loan HK$6.11M · min. income ≈ HK$59,246/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,010
−HK$1,676/mo
▼ 0.25% · 3.875%
HK$31,842
−HK$844/mo
Today · 4.125%
HK$32,686
baseline
▲ 0.50% · 4.625%
HK$34,408
+HK$1,722/mo
Deposit HK$4.07M · loan HK$6.11M · min. income ≈ HK$65,372/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,520
−HK$2,040/mo
▼ 0.25% · 3.875%
HK$33,532
−HK$1,028/mo
Today · 4.125%
HK$34,560
baseline
▲ 0.50% · 4.625%
HK$36,663
+HK$2,103/mo
Deposit HK$3.06M · loan HK$7.13M · min. income ≈ HK$69,120/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,179
−HK$1,954/mo
▼ 0.25% · 3.875%
HK$37,149
−HK$984/mo
Today · 4.125%
HK$38,133
baseline
▲ 0.50% · 4.625%
HK$40,143
+HK$2,010/mo
Deposit HK$3.06M · loan HK$7.13M · min. income ≈ HK$76,266/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,812
−HK$2,622/mo
▼ 0.25% · 3.875%
HK$43,112
−HK$1,322/mo
Today · 4.125%
HK$44,434
baseline
▲ 0.50% · 4.625%
HK$47,138
+HK$2,704/mo
Deposit HK$1.02M · loan HK$9.17M · min. income ≈ HK$88,868/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,515
−HK$2,513/mo
▼ 0.25% · 3.875%
HK$47,763
−HK$1,265/mo
Today · 4.125%
HK$49,028
baseline
▲ 0.50% · 4.625%
HK$51,613
+HK$2,585/mo
Deposit HK$1.02M · loan HK$9.17M · min. income ≈ HK$98,056/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,011 · Scale 2, in force from 26 Feb 2026)