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$23,147
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$23,867
−HK$732/mo
Today · 4.125%
HK$24,599
baseline
▲ 0.50% · 4.625%
HK$26,096
+HK$1,497/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$49,198/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$380,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,751
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$26,442
−HK$701/mo
Today · 4.125%
HK$27,143
baseline
▲ 0.50% · 4.625%
HK$28,573
+HK$1,430/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$54,286/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$380,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,777
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$28,641
−HK$878/mo
Today · 4.125%
HK$29,519
baseline
▲ 0.50% · 4.625%
HK$31,315
+HK$1,796/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$59,038/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,901
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$31,730
−HK$841/mo
Today · 4.125%
HK$32,571
baseline
▲ 0.50% · 4.625%
HK$34,288
+HK$1,717/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$65,142/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,406
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$33,414
−HK$1,025/mo
Today · 4.125%
HK$34,439
baseline
▲ 0.50% · 4.625%
HK$36,534
+HK$2,095/mo
Deposit HK$3.05M · loan HK$7.11M · min. income ≈ HK$68,878/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$380,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,052
−HK$1,948/mo
▼ 0.25% · 3.875%
HK$37,019
−HK$981/mo
Today · 4.125%
HK$38,000
baseline
▲ 0.50% · 4.625%
HK$40,003
+HK$2,003/mo
Deposit HK$3.05M · loan HK$7.11M · min. income ≈ HK$76,000/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$380,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,665
−HK$2,613/mo
▼ 0.25% · 3.875%
HK$42,961
−HK$1,317/mo
Today · 4.125%
HK$44,278
baseline
▲ 0.50% · 4.625%
HK$46,972
+HK$2,694/mo
Deposit HK$1.02M · loan HK$9.14M · min. income ≈ HK$88,556/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$380,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,352
−HK$2,505/mo
▼ 0.25% · 3.875%
HK$47,595
−HK$1,262/mo
Today · 4.125%
HK$48,857
baseline
▲ 0.50% · 4.625%
HK$51,432
+HK$2,575/mo
Deposit HK$1.02M · loan HK$9.14M · min. income ≈ HK$97,714/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$380,671 · Scale 2, in force from 26 Feb 2026)