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$23,195
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$23,917
−HK$733/mo
Today · 4.125%
HK$24,650
baseline
▲ 0.50% · 4.625%
HK$26,150
+HK$1,500/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$49,300/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$381,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,805
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$26,497
−HK$702/mo
Today · 4.125%
HK$27,199
baseline
▲ 0.50% · 4.625%
HK$28,633
+HK$1,434/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$54,398/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$381,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,835
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$28,700
−HK$880/mo
Today · 4.125%
HK$29,580
baseline
▲ 0.50% · 4.625%
HK$31,380
+HK$1,800/mo
Deposit HK$4.07M · loan HK$6.10M · min. income ≈ HK$59,160/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,966
−HK$1,673/mo
▼ 0.25% · 3.875%
HK$31,796
−HK$843/mo
Today · 4.125%
HK$32,639
baseline
▲ 0.50% · 4.625%
HK$34,359
+HK$1,720/mo
Deposit HK$4.07M · loan HK$6.10M · min. income ≈ HK$65,278/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,474
−HK$2,036/mo
▼ 0.25% · 3.875%
HK$33,484
−HK$1,026/mo
Today · 4.125%
HK$34,510
baseline
▲ 0.50% · 4.625%
HK$36,610
+HK$2,100/mo
Deposit HK$3.05M · loan HK$7.12M · min. income ≈ HK$69,020/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$381,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,127
−HK$1,951/mo
▼ 0.25% · 3.875%
HK$37,096
−HK$982/mo
Today · 4.125%
HK$38,078
baseline
▲ 0.50% · 4.625%
HK$40,086
+HK$2,008/mo
Deposit HK$3.05M · loan HK$7.12M · min. income ≈ HK$76,156/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$381,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,752
−HK$2,618/mo
▼ 0.25% · 3.875%
HK$43,051
−HK$1,319/mo
Today · 4.125%
HK$44,370
baseline
▲ 0.50% · 4.625%
HK$47,070
+HK$2,700/mo
Deposit HK$1.02M · loan HK$9.16M · min. income ≈ HK$88,740/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,449
−HK$2,509/mo
▼ 0.25% · 3.875%
HK$47,694
−HK$1,264/mo
Today · 4.125%
HK$48,958
baseline
▲ 0.50% · 4.625%
HK$51,539
+HK$2,581/mo
Deposit HK$1.02M · loan HK$9.16M · min. income ≈ HK$97,916/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,462 · Scale 2, in force from 26 Feb 2026)