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$23,110
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$23,829
−HK$730/mo
Today · 4.125%
HK$24,559
baseline
▲ 0.50% · 4.625%
HK$26,054
+HK$1,495/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$49,118/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$380,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,710
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$26,399
−HK$700/mo
Today · 4.125%
HK$27,099
baseline
▲ 0.50% · 4.625%
HK$28,527
+HK$1,428/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$54,198/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$380,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,732
−HK$1,739/mo
▼ 0.25% · 3.875%
HK$28,595
−HK$876/mo
Today · 4.125%
HK$29,471
baseline
▲ 0.50% · 4.625%
HK$31,264
+HK$1,793/mo
Deposit HK$4.05M · loan HK$6.08M · min. income ≈ HK$58,942/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$380,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,852
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$31,679
−HK$839/mo
Today · 4.125%
HK$32,518
baseline
▲ 0.50% · 4.625%
HK$34,232
+HK$1,714/mo
Deposit HK$4.05M · loan HK$6.08M · min. income ≈ HK$65,036/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$380,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,354
−HK$2,029/mo
▼ 0.25% · 3.875%
HK$33,360
−HK$1,023/mo
Today · 4.125%
HK$34,383
baseline
▲ 0.50% · 4.625%
HK$36,475
+HK$2,092/mo
Deposit HK$3.04M · loan HK$7.09M · min. income ≈ HK$68,766/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$380,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,994
−HK$1,944/mo
▼ 0.25% · 3.875%
HK$36,959
−HK$979/mo
Today · 4.125%
HK$37,938
baseline
▲ 0.50% · 4.625%
HK$39,938
+HK$2,000/mo
Deposit HK$3.04M · loan HK$7.09M · min. income ≈ HK$75,876/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$380,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,598
−HK$2,609/mo
▼ 0.25% · 3.875%
HK$42,892
−HK$1,315/mo
Today · 4.125%
HK$44,207
baseline
▲ 0.50% · 4.625%
HK$46,896
+HK$2,689/mo
Deposit HK$1.01M · loan HK$9.12M · min. income ≈ HK$88,414/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$380,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,277
−HK$2,501/mo
▼ 0.25% · 3.875%
HK$47,519
−HK$1,259/mo
Today · 4.125%
HK$48,778
baseline
▲ 0.50% · 4.625%
HK$51,349
+HK$2,571/mo
Deposit HK$1.01M · loan HK$9.12M · min. income ≈ HK$97,556/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$380,057 · Scale 2, in force from 26 Feb 2026)