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$23,235
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$23,958
−HK$734/mo
Today · 4.125%
HK$24,692
baseline
▲ 0.50% · 4.625%
HK$26,195
+HK$1,503/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$49,384/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$382,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,849
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$26,542
−HK$704/mo
Today · 4.125%
HK$27,246
baseline
▲ 0.50% · 4.625%
HK$28,682
+HK$1,436/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$54,492/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$382,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,882
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$28,750
−HK$881/mo
Today · 4.125%
HK$29,631
baseline
▲ 0.50% · 4.625%
HK$31,434
+HK$1,803/mo
Deposit HK$4.08M · loan HK$6.11M · min. income ≈ HK$59,262/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,019
−HK$1,676/mo
▼ 0.25% · 3.875%
HK$31,851
−HK$844/mo
Today · 4.125%
HK$32,695
baseline
▲ 0.50% · 4.625%
HK$34,418
+HK$1,723/mo
Deposit HK$4.08M · loan HK$6.11M · min. income ≈ HK$65,390/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,529
−HK$2,040/mo
▼ 0.25% · 3.875%
HK$33,541
−HK$1,028/mo
Today · 4.125%
HK$34,569
baseline
▲ 0.50% · 4.625%
HK$36,673
+HK$2,104/mo
Deposit HK$3.06M · loan HK$7.13M · min. income ≈ HK$69,138/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,189
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$37,159
−HK$985/mo
Today · 4.125%
HK$38,144
baseline
▲ 0.50% · 4.625%
HK$40,154
+HK$2,010/mo
Deposit HK$3.06M · loan HK$7.13M · min. income ≈ HK$76,288/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,823
−HK$2,623/mo
▼ 0.25% · 3.875%
HK$43,124
−HK$1,322/mo
Today · 4.125%
HK$44,446
baseline
▲ 0.50% · 4.625%
HK$47,151
+HK$2,705/mo
Deposit HK$1.02M · loan HK$9.17M · min. income ≈ HK$88,892/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,528
−HK$2,514/mo
▼ 0.25% · 3.875%
HK$47,776
−HK$1,266/mo
Today · 4.125%
HK$49,042
baseline
▲ 0.50% · 4.625%
HK$51,627
+HK$2,585/mo
Deposit HK$1.02M · loan HK$9.17M · min. income ≈ HK$98,084/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,117 · Scale 2, in force from 26 Feb 2026)