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$381,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,776
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$26,467
−HK$701/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$381,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,803
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$28,668
−HK$879/mo
Today · 4.125%
HK$29,547
baseline
▲ 0.50% · 4.625%
HK$31,344
+HK$1,797/mo
Deposit HK$4.06M · loan HK$6.10M · min. income ≈ HK$59,094/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,931
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$31,760
−HK$842/mo
Today · 4.125%
HK$32,602
baseline
▲ 0.50% · 4.625%
HK$34,320
+HK$1,718/mo
Deposit HK$4.06M · loan HK$6.10M · min. income ≈ HK$65,204/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,437
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$33,446
−HK$1,025/mo
Today · 4.125%
HK$34,471
baseline
▲ 0.50% · 4.625%
HK$36,569
+HK$2,098/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$381,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,086
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$37,054
−HK$981/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$381,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,705
−HK$2,615/mo
▼ 0.25% · 3.875%
HK$43,002
−HK$1,318/mo
Today · 4.125%
HK$44,320
baseline
▲ 0.50% · 4.625%
HK$47,017
+HK$2,697/mo
Deposit HK$1.02M · loan HK$9.14M · min. income ≈ HK$88,640/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,396
−HK$2,507/mo
▼ 0.25% · 3.875%
HK$47,640
−HK$1,263/mo
Today · 4.125%
HK$48,903
baseline
▲ 0.50% · 4.625%
HK$51,480
+HK$2,577/mo
Deposit HK$1.02M · loan HK$9.14M · min. income ≈ HK$97,806/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,031 · Scale 2, in force from 26 Feb 2026)