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$23,135
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$23,854
−HK$732/mo
Today · 4.125%
HK$24,586
baseline
▲ 0.50% · 4.625%
HK$26,082
+HK$1,496/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$49,172/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$380,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,737
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$26,427
−HK$701/mo
Today · 4.125%
HK$27,128
baseline
▲ 0.50% · 4.625%
HK$28,558
+HK$1,430/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$54,256/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$380,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,762
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$28,625
−HK$878/mo
Today · 4.125%
HK$29,503
baseline
▲ 0.50% · 4.625%
HK$31,298
+HK$1,795/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$59,006/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,885
−HK$1,668/mo
▼ 0.25% · 3.875%
HK$31,713
−HK$840/mo
Today · 4.125%
HK$32,553
baseline
▲ 0.50% · 4.625%
HK$34,269
+HK$1,716/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$65,106/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,389
−HK$2,031/mo
▼ 0.25% · 3.875%
HK$33,396
−HK$1,024/mo
Today · 4.125%
HK$34,420
baseline
▲ 0.50% · 4.625%
HK$36,514
+HK$2,094/mo
Deposit HK$3.04M · loan HK$7.10M · min. income ≈ HK$68,840/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$380,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,032
−HK$1,947/mo
▼ 0.25% · 3.875%
HK$36,998
−HK$981/mo
Today · 4.125%
HK$37,979
baseline
▲ 0.50% · 4.625%
HK$39,981
+HK$2,002/mo
Deposit HK$3.04M · loan HK$7.10M · min. income ≈ HK$75,958/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$380,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,643
−HK$2,611/mo
▼ 0.25% · 3.875%
HK$42,938
−HK$1,316/mo
Today · 4.125%
HK$44,254
baseline
▲ 0.50% · 4.625%
HK$46,947
+HK$2,693/mo
Deposit HK$1.01M · loan HK$9.13M · min. income ≈ HK$88,508/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$380,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,327
−HK$2,503/mo
▼ 0.25% · 3.875%
HK$47,569
−HK$1,261/mo
Today · 4.125%
HK$48,830
baseline
▲ 0.50% · 4.625%
HK$51,404
+HK$2,574/mo
Deposit HK$1.01M · loan HK$9.13M · min. income ≈ HK$97,660/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$380,464 · Scale 2, in force from 26 Feb 2026)