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$23,085
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$23,803
−HK$730/mo
Today · 4.125%
HK$24,533
baseline
▲ 0.50% · 4.625%
HK$26,025
+HK$1,492/mo
Deposit HK$5.06M · loan HK$5.06M · min. income ≈ HK$49,066/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$379,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,682
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$26,371
−HK$698/mo
Today · 4.125%
HK$27,069
baseline
▲ 0.50% · 4.625%
HK$28,496
+HK$1,427/mo
Deposit HK$5.06M · loan HK$5.06M · min. income ≈ HK$54,138/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$379,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,702
−HK$1,737/mo
▼ 0.25% · 3.875%
HK$28,564
−HK$875/mo
Today · 4.125%
HK$29,439
baseline
▲ 0.50% · 4.625%
HK$31,230
+HK$1,791/mo
Deposit HK$4.05M · loan HK$6.07M · min. income ≈ HK$58,878/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$379,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,818
−HK$1,665/mo
▼ 0.25% · 3.875%
HK$31,645
−HK$838/mo
Today · 4.125%
HK$32,483
baseline
▲ 0.50% · 4.625%
HK$34,195
+HK$1,712/mo
Deposit HK$4.05M · loan HK$6.07M · min. income ≈ HK$64,966/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$379,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,319
−HK$2,027/mo
▼ 0.25% · 3.875%
HK$33,324
−HK$1,022/mo
Today · 4.125%
HK$34,346
baseline
▲ 0.50% · 4.625%
HK$36,436
+HK$2,090/mo
Deposit HK$3.04M · loan HK$7.09M · min. income ≈ HK$68,692/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$379,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,955
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$36,919
−HK$978/mo
Today · 4.125%
HK$37,897
baseline
▲ 0.50% · 4.625%
HK$39,895
+HK$1,998/mo
Deposit HK$3.04M · loan HK$7.09M · min. income ≈ HK$75,794/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$379,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,553
−HK$2,606/mo
▼ 0.25% · 3.875%
HK$42,846
−HK$1,313/mo
Today · 4.125%
HK$44,159
baseline
▲ 0.50% · 4.625%
HK$46,846
+HK$2,687/mo
Deposit HK$1.01M · loan HK$9.11M · min. income ≈ HK$88,318/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,227
−HK$2,498/mo
▼ 0.25% · 3.875%
HK$47,467
−HK$1,258/mo
Today · 4.125%
HK$48,725
baseline
▲ 0.50% · 4.625%
HK$51,293
+HK$2,568/mo
Deposit HK$1.01M · loan HK$9.11M · min. income ≈ HK$97,450/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,645 · Scale 2, in force from 26 Feb 2026)