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$23,221
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$23,943
−HK$734/mo
Today · 4.125%
HK$24,677
baseline
▲ 0.50% · 4.625%
HK$26,179
+HK$1,502/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$49,354/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$381,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,833
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$26,526
−HK$703/mo
Today · 4.125%
HK$27,229
baseline
▲ 0.50% · 4.625%
HK$28,664
+HK$1,435/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$54,458/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$381,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,865
−HK$1,748/mo
▼ 0.25% · 3.875%
HK$28,732
−HK$881/mo
Today · 4.125%
HK$29,613
baseline
▲ 0.50% · 4.625%
HK$31,415
+HK$1,802/mo
Deposit HK$4.07M · loan HK$6.11M · min. income ≈ HK$59,226/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$381,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,000
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$31,831
−HK$844/mo
Today · 4.125%
HK$32,675
baseline
▲ 0.50% · 4.625%
HK$34,397
+HK$1,722/mo
Deposit HK$4.07M · loan HK$6.11M · min. income ≈ HK$65,350/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$381,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,510
−HK$2,038/mo
▼ 0.25% · 3.875%
HK$33,521
−HK$1,027/mo
Today · 4.125%
HK$34,548
baseline
▲ 0.50% · 4.625%
HK$36,650
+HK$2,102/mo
Deposit HK$3.06M · loan HK$7.13M · min. income ≈ HK$69,096/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$381,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,167
−HK$1,954/mo
▼ 0.25% · 3.875%
HK$37,137
−HK$984/mo
Today · 4.125%
HK$38,121
baseline
▲ 0.50% · 4.625%
HK$40,130
+HK$2,009/mo
Deposit HK$3.06M · loan HK$7.13M · min. income ≈ HK$76,242/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$381,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,798
−HK$2,621/mo
▼ 0.25% · 3.875%
HK$43,098
−HK$1,321/mo
Today · 4.125%
HK$44,419
baseline
▲ 0.50% · 4.625%
HK$47,122
+HK$2,703/mo
Deposit HK$1.02M · loan HK$9.17M · min. income ≈ HK$88,838/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,500
−HK$2,512/mo
▼ 0.25% · 3.875%
HK$47,747
−HK$1,265/mo
Today · 4.125%
HK$49,012
baseline
▲ 0.50% · 4.625%
HK$51,596
+HK$2,584/mo
Deposit HK$1.02M · loan HK$9.17M · min. income ≈ HK$98,024/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,884 · Scale 2, in force from 26 Feb 2026)