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$23,078
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$23,796
−HK$730/mo
Today · 4.125%
HK$24,526
baseline
▲ 0.50% · 4.625%
HK$26,018
+HK$1,492/mo
Deposit HK$5.06M · loan HK$5.06M · min. income ≈ HK$49,052/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$379,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,674
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$26,363
−HK$698/mo
Today · 4.125%
HK$27,061
baseline
▲ 0.50% · 4.625%
HK$28,488
+HK$1,427/mo
Deposit HK$5.06M · loan HK$5.06M · min. income ≈ HK$54,122/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$379,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,694
−HK$1,737/mo
▼ 0.25% · 3.875%
HK$28,555
−HK$876/mo
Today · 4.125%
HK$29,431
baseline
▲ 0.50% · 4.625%
HK$31,221
+HK$1,790/mo
Deposit HK$4.05M · loan HK$6.07M · min. income ≈ HK$58,862/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$379,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,809
−HK$1,665/mo
▼ 0.25% · 3.875%
HK$31,636
−HK$838/mo
Today · 4.125%
HK$32,474
baseline
▲ 0.50% · 4.625%
HK$34,186
+HK$1,712/mo
Deposit HK$4.05M · loan HK$6.07M · min. income ≈ HK$64,948/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$379,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,310
−HK$2,026/mo
▼ 0.25% · 3.875%
HK$33,315
−HK$1,021/mo
Today · 4.125%
HK$34,336
baseline
▲ 0.50% · 4.625%
HK$36,425
+HK$2,089/mo
Deposit HK$3.04M · loan HK$7.08M · min. income ≈ HK$68,672/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$379,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,944
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$36,908
−HK$978/mo
Today · 4.125%
HK$37,886
baseline
▲ 0.50% · 4.625%
HK$39,883
+HK$1,997/mo
Deposit HK$3.04M · loan HK$7.08M · min. income ≈ HK$75,772/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$379,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,541
−HK$2,605/mo
▼ 0.25% · 3.875%
HK$42,833
−HK$1,313/mo
Today · 4.125%
HK$44,146
baseline
▲ 0.50% · 4.625%
HK$46,832
+HK$2,686/mo
Deposit HK$1.01M · loan HK$9.11M · min. income ≈ HK$88,292/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,214
−HK$2,497/mo
▼ 0.25% · 3.875%
HK$47,453
−HK$1,258/mo
Today · 4.125%
HK$48,711
baseline
▲ 0.50% · 4.625%
HK$51,278
+HK$2,567/mo
Deposit HK$1.01M · loan HK$9.11M · min. income ≈ HK$97,422/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,535 · Scale 2, in force from 26 Feb 2026)