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$23,179
−HK$1,454/mo
▼ 0.25% · 3.875%
HK$23,900
−HK$733/mo
Today · 4.125%
HK$24,633
baseline
▲ 0.50% · 4.625%
HK$26,131
+HK$1,498/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$49,266/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$381,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,786
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$26,478
−HK$702/mo
Today · 4.125%
HK$27,180
baseline
▲ 0.50% · 4.625%
HK$28,612
+HK$1,432/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$54,360/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$381,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,815
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$28,680
−HK$879/mo
Today · 4.125%
HK$29,559
baseline
▲ 0.50% · 4.625%
HK$31,358
+HK$1,799/mo
Deposit HK$4.07M · loan HK$6.10M · min. income ≈ HK$59,118/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,944
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$31,774
−HK$842/mo
Today · 4.125%
HK$32,616
baseline
▲ 0.50% · 4.625%
HK$34,335
+HK$1,719/mo
Deposit HK$4.07M · loan HK$6.10M · min. income ≈ HK$65,232/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,451
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$33,460
−HK$1,026/mo
Today · 4.125%
HK$34,486
baseline
▲ 0.50% · 4.625%
HK$36,584
+HK$2,098/mo
Deposit HK$3.05M · loan HK$7.12M · min. income ≈ HK$68,972/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$381,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,101
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$37,069
−HK$982/mo
Today · 4.125%
HK$38,051
baseline
▲ 0.50% · 4.625%
HK$40,057
+HK$2,006/mo
Deposit HK$3.05M · loan HK$7.12M · min. income ≈ HK$76,102/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$381,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,722
−HK$2,617/mo
▼ 0.25% · 3.875%
HK$43,020
−HK$1,319/mo
Today · 4.125%
HK$44,339
baseline
▲ 0.50% · 4.625%
HK$47,037
+HK$2,698/mo
Deposit HK$1.02M · loan HK$9.15M · min. income ≈ HK$88,678/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,416
−HK$2,507/mo
▼ 0.25% · 3.875%
HK$47,660
−HK$1,263/mo
Today · 4.125%
HK$48,923
baseline
▲ 0.50% · 4.625%
HK$51,502
+HK$2,579/mo
Deposit HK$1.02M · loan HK$9.15M · min. income ≈ HK$97,846/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,192 · Scale 2, in force from 26 Feb 2026)