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$23,087
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$23,805
−HK$730/mo
Today · 4.125%
HK$24,535
baseline
▲ 0.50% · 4.625%
HK$26,028
+HK$1,493/mo
Deposit HK$5.06M · loan HK$5.06M · min. income ≈ HK$49,070/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$379,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,684
−HK$1,388/mo
▼ 0.25% · 3.875%
HK$26,373
−HK$699/mo
Today · 4.125%
HK$27,072
baseline
▲ 0.50% · 4.625%
HK$28,499
+HK$1,427/mo
Deposit HK$5.06M · loan HK$5.06M · min. income ≈ HK$54,144/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$379,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,705
−HK$1,737/mo
▼ 0.25% · 3.875%
HK$28,566
−HK$876/mo
Today · 4.125%
HK$29,442
baseline
▲ 0.50% · 4.625%
HK$31,233
+HK$1,791/mo
Deposit HK$4.05M · loan HK$6.07M · min. income ≈ HK$58,884/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$379,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,821
−HK$1,665/mo
▼ 0.25% · 3.875%
HK$31,648
−HK$838/mo
Today · 4.125%
HK$32,486
baseline
▲ 0.50% · 4.625%
HK$34,199
+HK$1,713/mo
Deposit HK$4.05M · loan HK$6.07M · min. income ≈ HK$64,972/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$379,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,322
−HK$2,027/mo
▼ 0.25% · 3.875%
HK$33,327
−HK$1,022/mo
Today · 4.125%
HK$34,349
baseline
▲ 0.50% · 4.625%
HK$36,439
+HK$2,090/mo
Deposit HK$3.04M · loan HK$7.09M · min. income ≈ HK$68,698/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$379,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,958
−HK$1,943/mo
▼ 0.25% · 3.875%
HK$36,922
−HK$979/mo
Today · 4.125%
HK$37,901
baseline
▲ 0.50% · 4.625%
HK$39,898
+HK$1,997/mo
Deposit HK$3.04M · loan HK$7.09M · min. income ≈ HK$75,802/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$379,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,557
−HK$2,606/mo
▼ 0.25% · 3.875%
HK$42,850
−HK$1,313/mo
Today · 4.125%
HK$44,163
baseline
▲ 0.50% · 4.625%
HK$46,850
+HK$2,687/mo
Deposit HK$1.01M · loan HK$9.11M · min. income ≈ HK$88,326/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,232
−HK$2,497/mo
▼ 0.25% · 3.875%
HK$47,472
−HK$1,257/mo
Today · 4.125%
HK$48,729
baseline
▲ 0.50% · 4.625%
HK$51,298
+HK$2,569/mo
Deposit HK$1.01M · loan HK$9.11M · min. income ≈ HK$97,458/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,681 · Scale 2, in force from 26 Feb 2026)