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$23,184
−HK$1,454/mo
▼ 0.25% · 3.875%
HK$23,906
−HK$732/mo
Today · 4.125%
HK$24,638
baseline
▲ 0.50% · 4.625%
HK$26,138
+HK$1,500/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$49,276/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$381,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,793
−HK$1,393/mo
▼ 0.25% · 3.875%
HK$26,484
−HK$702/mo
Today · 4.125%
HK$27,186
baseline
▲ 0.50% · 4.625%
HK$28,619
+HK$1,433/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$54,372/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$381,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,821
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$28,687
−HK$879/mo
Today · 4.125%
HK$29,566
baseline
▲ 0.50% · 4.625%
HK$31,365
+HK$1,799/mo
Deposit HK$4.07M · loan HK$6.10M · min. income ≈ HK$59,132/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,951
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$31,781
−HK$842/mo
Today · 4.125%
HK$32,623
baseline
▲ 0.50% · 4.625%
HK$34,343
+HK$1,720/mo
Deposit HK$4.07M · loan HK$6.10M · min. income ≈ HK$65,246/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,458
−HK$2,036/mo
▼ 0.25% · 3.875%
HK$33,468
−HK$1,026/mo
Today · 4.125%
HK$34,494
baseline
▲ 0.50% · 4.625%
HK$36,593
+HK$2,099/mo
Deposit HK$3.05M · loan HK$7.12M · min. income ≈ HK$68,988/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$381,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,110
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$37,078
−HK$982/mo
Today · 4.125%
HK$38,060
baseline
▲ 0.50% · 4.625%
HK$40,067
+HK$2,007/mo
Deposit HK$3.05M · loan HK$7.12M · min. income ≈ HK$76,120/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$381,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,732
−HK$2,617/mo
▼ 0.25% · 3.875%
HK$43,030
−HK$1,319/mo
Today · 4.125%
HK$44,349
baseline
▲ 0.50% · 4.625%
HK$47,048
+HK$2,699/mo
Deposit HK$1.02M · loan HK$9.15M · min. income ≈ HK$88,698/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,427
−HK$2,508/mo
▼ 0.25% · 3.875%
HK$47,672
−HK$1,263/mo
Today · 4.125%
HK$48,935
baseline
▲ 0.50% · 4.625%
HK$51,514
+HK$2,579/mo
Deposit HK$1.02M · loan HK$9.15M · min. income ≈ HK$97,870/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,282 · Scale 2, in force from 26 Feb 2026)