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$23,169
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$23,890
−HK$732/mo
Today · 4.125%
HK$24,622
baseline
▲ 0.50% · 4.625%
HK$26,120
+HK$1,498/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$49,244/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$381,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,775
−HK$1,393/mo
▼ 0.25% · 3.875%
HK$26,466
−HK$702/mo
Today · 4.125%
HK$27,168
baseline
▲ 0.50% · 4.625%
HK$28,600
+HK$1,432/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$54,336/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$381,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,803
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$28,668
−HK$878/mo
Today · 4.125%
HK$29,546
baseline
▲ 0.50% · 4.625%
HK$31,344
+HK$1,798/mo
Deposit HK$4.06M · loan HK$6.10M · min. income ≈ HK$59,092/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,930
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$31,760
−HK$841/mo
Today · 4.125%
HK$32,601
baseline
▲ 0.50% · 4.625%
HK$34,320
+HK$1,719/mo
Deposit HK$4.06M · loan HK$6.10M · min. income ≈ HK$65,202/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,436
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$33,445
−HK$1,026/mo
Today · 4.125%
HK$34,471
baseline
▲ 0.50% · 4.625%
HK$36,568
+HK$2,097/mo
Deposit HK$3.05M · loan HK$7.11M · min. income ≈ HK$68,942/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$381,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,085
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$37,053
−HK$982/mo
Today · 4.125%
HK$38,035
baseline
▲ 0.50% · 4.625%
HK$40,040
+HK$2,005/mo
Deposit HK$3.05M · loan HK$7.11M · min. income ≈ HK$76,070/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$381,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,704
−HK$2,615/mo
▼ 0.25% · 3.875%
HK$43,001
−HK$1,318/mo
Today · 4.125%
HK$44,319
baseline
▲ 0.50% · 4.625%
HK$47,016
+HK$2,697/mo
Deposit HK$1.02M · loan HK$9.14M · min. income ≈ HK$88,638/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,395
−HK$2,507/mo
▼ 0.25% · 3.875%
HK$47,640
−HK$1,262/mo
Today · 4.125%
HK$48,902
baseline
▲ 0.50% · 4.625%
HK$51,480
+HK$2,578/mo
Deposit HK$1.02M · loan HK$9.14M · min. income ≈ HK$97,804/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,025 · Scale 2, in force from 26 Feb 2026)