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$23,146
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$23,866
−HK$731/mo
Today · 4.125%
HK$24,597
baseline
▲ 0.50% · 4.625%
HK$26,094
+HK$1,497/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$49,194/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$380,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,749
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$26,440
−HK$701/mo
Today · 4.125%
HK$27,141
baseline
▲ 0.50% · 4.625%
HK$28,571
+HK$1,430/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$54,282/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$380,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,775
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$28,639
−HK$878/mo
Today · 4.125%
HK$29,517
baseline
▲ 0.50% · 4.625%
HK$31,313
+HK$1,796/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$59,034/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,899
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$31,728
−HK$841/mo
Today · 4.125%
HK$32,569
baseline
▲ 0.50% · 4.625%
HK$34,285
+HK$1,716/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$65,138/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,404
−HK$2,032/mo
▼ 0.25% · 3.875%
HK$33,412
−HK$1,024/mo
Today · 4.125%
HK$34,436
baseline
▲ 0.50% · 4.625%
HK$36,531
+HK$2,095/mo
Deposit HK$3.05M · loan HK$7.11M · min. income ≈ HK$68,872/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$380,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,049
−HK$1,948/mo
▼ 0.25% · 3.875%
HK$37,016
−HK$981/mo
Today · 4.125%
HK$37,997
baseline
▲ 0.50% · 4.625%
HK$40,000
+HK$2,003/mo
Deposit HK$3.05M · loan HK$7.11M · min. income ≈ HK$75,994/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$380,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,662
−HK$2,613/mo
▼ 0.25% · 3.875%
HK$42,958
−HK$1,317/mo
Today · 4.125%
HK$44,275
baseline
▲ 0.50% · 4.625%
HK$46,969
+HK$2,694/mo
Deposit HK$1.02M · loan HK$9.14M · min. income ≈ HK$88,550/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$380,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,349
−HK$2,504/mo
▼ 0.25% · 3.875%
HK$47,592
−HK$1,261/mo
Today · 4.125%
HK$48,853
baseline
▲ 0.50% · 4.625%
HK$51,428
+HK$2,575/mo
Deposit HK$1.02M · loan HK$9.14M · min. income ≈ HK$97,706/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$380,643 · Scale 2, in force from 26 Feb 2026)