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$23,220
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$23,942
−HK$734/mo
Today · 4.125%
HK$24,676
baseline
▲ 0.50% · 4.625%
HK$26,178
+HK$1,502/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$49,352/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$381,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,832
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$26,525
−HK$703/mo
Today · 4.125%
HK$27,228
baseline
▲ 0.50% · 4.625%
HK$28,663
+HK$1,435/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$54,456/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$381,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,864
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$28,731
−HK$880/mo
Today · 4.125%
HK$29,611
baseline
▲ 0.50% · 4.625%
HK$31,413
+HK$1,802/mo
Deposit HK$4.07M · loan HK$6.11M · min. income ≈ HK$59,222/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$381,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,998
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$31,830
−HK$843/mo
Today · 4.125%
HK$32,673
baseline
▲ 0.50% · 4.625%
HK$34,395
+HK$1,722/mo
Deposit HK$4.07M · loan HK$6.11M · min. income ≈ HK$65,346/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$381,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,508
−HK$2,038/mo
▼ 0.25% · 3.875%
HK$33,519
−HK$1,027/mo
Today · 4.125%
HK$34,546
baseline
▲ 0.50% · 4.625%
HK$36,649
+HK$2,103/mo
Deposit HK$3.05M · loan HK$7.13M · min. income ≈ HK$69,092/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$381,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,165
−HK$1,954/mo
▼ 0.25% · 3.875%
HK$37,135
−HK$984/mo
Today · 4.125%
HK$38,119
baseline
▲ 0.50% · 4.625%
HK$40,128
+HK$2,009/mo
Deposit HK$3.05M · loan HK$7.13M · min. income ≈ HK$76,238/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$381,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,796
−HK$2,621/mo
▼ 0.25% · 3.875%
HK$43,096
−HK$1,321/mo
Today · 4.125%
HK$44,417
baseline
▲ 0.50% · 4.625%
HK$47,120
+HK$2,703/mo
Deposit HK$1.02M · loan HK$9.16M · min. income ≈ HK$88,834/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,498
−HK$2,512/mo
▼ 0.25% · 3.875%
HK$47,745
−HK$1,265/mo
Today · 4.125%
HK$49,010
baseline
▲ 0.50% · 4.625%
HK$51,593
+HK$2,583/mo
Deposit HK$1.02M · loan HK$9.16M · min. income ≈ HK$98,020/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,865 · Scale 2, in force from 26 Feb 2026)