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$23,069
−HK$1,447/mo
▼ 0.25% · 3.875%
HK$23,787
−HK$729/mo
Today · 4.125%
HK$24,516
baseline
▲ 0.50% · 4.625%
HK$26,007
+HK$1,491/mo
Deposit HK$5.06M · loan HK$5.06M · min. income ≈ HK$49,032/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$379,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,664
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$26,352
−HK$699/mo
Today · 4.125%
HK$27,051
baseline
▲ 0.50% · 4.625%
HK$28,476
+HK$1,425/mo
Deposit HK$5.06M · loan HK$5.06M · min. income ≈ HK$54,102/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$379,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,683
−HK$1,736/mo
▼ 0.25% · 3.875%
HK$28,544
−HK$875/mo
Today · 4.125%
HK$29,419
baseline
▲ 0.50% · 4.625%
HK$31,209
+HK$1,790/mo
Deposit HK$4.05M · loan HK$6.07M · min. income ≈ HK$58,838/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$379,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,797
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$31,623
−HK$838/mo
Today · 4.125%
HK$32,461
baseline
▲ 0.50% · 4.625%
HK$34,172
+HK$1,711/mo
Deposit HK$4.05M · loan HK$6.07M · min. income ≈ HK$64,922/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$379,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,297
−HK$2,025/mo
▼ 0.25% · 3.875%
HK$33,301
−HK$1,021/mo
Today · 4.125%
HK$34,322
baseline
▲ 0.50% · 4.625%
HK$36,410
+HK$2,088/mo
Deposit HK$3.04M · loan HK$7.08M · min. income ≈ HK$68,644/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$379,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,930
−HK$1,941/mo
▼ 0.25% · 3.875%
HK$36,893
−HK$978/mo
Today · 4.125%
HK$37,871
baseline
▲ 0.50% · 4.625%
HK$39,867
+HK$1,996/mo
Deposit HK$3.04M · loan HK$7.08M · min. income ≈ HK$75,742/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$379,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,524
−HK$2,604/mo
▼ 0.25% · 3.875%
HK$42,816
−HK$1,312/mo
Today · 4.125%
HK$44,128
baseline
▲ 0.50% · 4.625%
HK$46,813
+HK$2,685/mo
Deposit HK$1.01M · loan HK$9.11M · min. income ≈ HK$88,256/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,195
−HK$2,496/mo
▼ 0.25% · 3.875%
HK$47,434
−HK$1,257/mo
Today · 4.125%
HK$48,691
baseline
▲ 0.50% · 4.625%
HK$51,258
+HK$2,567/mo
Deposit HK$1.01M · loan HK$9.11M · min. income ≈ HK$97,382/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,382 · Scale 2, in force from 26 Feb 2026)