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$23,153
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$23,873
−HK$732/mo
Today · 4.125%
HK$24,605
baseline
▲ 0.50% · 4.625%
HK$26,102
+HK$1,497/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$49,210/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$380,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,757
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$26,448
−HK$701/mo
Today · 4.125%
HK$27,149
baseline
▲ 0.50% · 4.625%
HK$28,580
+HK$1,431/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$54,298/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$380,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,783
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$28,647
−HK$878/mo
Today · 4.125%
HK$29,525
baseline
▲ 0.50% · 4.625%
HK$31,322
+HK$1,797/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$59,050/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,909
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$31,737
−HK$841/mo
Today · 4.125%
HK$32,578
baseline
▲ 0.50% · 4.625%
HK$34,296
+HK$1,718/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$65,156/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,414
−HK$2,032/mo
▼ 0.25% · 3.875%
HK$33,422
−HK$1,024/mo
Today · 4.125%
HK$34,446
baseline
▲ 0.50% · 4.625%
HK$36,542
+HK$2,096/mo
Deposit HK$3.05M · loan HK$7.11M · min. income ≈ HK$68,892/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$380,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,060
−HK$1,948/mo
▼ 0.25% · 3.875%
HK$37,027
−HK$981/mo
Today · 4.125%
HK$38,008
baseline
▲ 0.50% · 4.625%
HK$40,012
+HK$2,004/mo
Deposit HK$3.05M · loan HK$7.11M · min. income ≈ HK$76,016/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$380,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,675
−HK$2,613/mo
▼ 0.25% · 3.875%
HK$42,971
−HK$1,317/mo
Today · 4.125%
HK$44,288
baseline
▲ 0.50% · 4.625%
HK$46,983
+HK$2,695/mo
Deposit HK$1.02M · loan HK$9.14M · min. income ≈ HK$88,576/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$380,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,363
−HK$2,505/mo
▼ 0.25% · 3.875%
HK$47,606
−HK$1,262/mo
Today · 4.125%
HK$48,868
baseline
▲ 0.50% · 4.625%
HK$51,444
+HK$2,576/mo
Deposit HK$1.02M · loan HK$9.14M · min. income ≈ HK$97,736/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$380,758 · Scale 2, in force from 26 Feb 2026)