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$23,099
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$23,817
−HK$730/mo
Today · 4.125%
HK$24,547
baseline
▲ 0.50% · 4.625%
HK$26,041
+HK$1,494/mo
Deposit HK$5.06M · loan HK$5.06M · min. income ≈ HK$49,094/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$379,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,697
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$26,386
−HK$700/mo
Today · 4.125%
HK$27,086
baseline
▲ 0.50% · 4.625%
HK$28,513
+HK$1,427/mo
Deposit HK$5.06M · loan HK$5.06M · min. income ≈ HK$54,172/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$379,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,719
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$28,581
−HK$876/mo
Today · 4.125%
HK$29,457
baseline
▲ 0.50% · 4.625%
HK$31,249
+HK$1,792/mo
Deposit HK$4.05M · loan HK$6.08M · min. income ≈ HK$58,914/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$379,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,837
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$31,664
−HK$839/mo
Today · 4.125%
HK$32,503
baseline
▲ 0.50% · 4.625%
HK$34,216
+HK$1,713/mo
Deposit HK$4.05M · loan HK$6.08M · min. income ≈ HK$65,006/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$379,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,338
−HK$2,028/mo
▼ 0.25% · 3.875%
HK$33,344
−HK$1,022/mo
Today · 4.125%
HK$34,366
baseline
▲ 0.50% · 4.625%
HK$36,457
+HK$2,091/mo
Deposit HK$3.04M · loan HK$7.09M · min. income ≈ HK$68,732/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$379,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,976
−HK$1,944/mo
▼ 0.25% · 3.875%
HK$36,941
−HK$979/mo
Today · 4.125%
HK$37,920
baseline
▲ 0.50% · 4.625%
HK$39,919
+HK$1,999/mo
Deposit HK$3.04M · loan HK$7.09M · min. income ≈ HK$75,840/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$379,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,578
−HK$2,607/mo
▼ 0.25% · 3.875%
HK$42,871
−HK$1,314/mo
Today · 4.125%
HK$44,185
baseline
▲ 0.50% · 4.625%
HK$46,874
+HK$2,689/mo
Deposit HK$1.01M · loan HK$9.12M · min. income ≈ HK$88,370/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,255
−HK$2,499/mo
▼ 0.25% · 3.875%
HK$47,495
−HK$1,259/mo
Today · 4.125%
HK$48,754
baseline
▲ 0.50% · 4.625%
HK$51,324
+HK$2,570/mo
Deposit HK$1.01M · loan HK$9.12M · min. income ≈ HK$97,508/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,872 · Scale 2, in force from 26 Feb 2026)