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$23,159
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$23,879
−HK$732/mo
Today · 4.125%
HK$24,611
baseline
▲ 0.50% · 4.625%
HK$26,108
+HK$1,497/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$49,222/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$380,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,764
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$26,455
−HK$701/mo
Today · 4.125%
HK$27,156
baseline
▲ 0.50% · 4.625%
HK$28,587
+HK$1,431/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$54,312/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$380,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,790
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$28,655
−HK$878/mo
Today · 4.125%
HK$29,533
baseline
▲ 0.50% · 4.625%
HK$31,330
+HK$1,797/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$59,066/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,916
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$31,745
−HK$842/mo
Today · 4.125%
HK$32,587
baseline
▲ 0.50% · 4.625%
HK$34,304
+HK$1,717/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$65,174/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,422
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$33,430
−HK$1,025/mo
Today · 4.125%
HK$34,455
baseline
▲ 0.50% · 4.625%
HK$36,552
+HK$2,097/mo
Deposit HK$3.05M · loan HK$7.11M · min. income ≈ HK$68,910/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$380,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,069
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$37,036
−HK$982/mo
Today · 4.125%
HK$38,018
baseline
▲ 0.50% · 4.625%
HK$40,022
+HK$2,004/mo
Deposit HK$3.05M · loan HK$7.11M · min. income ≈ HK$76,036/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$380,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,685
−HK$2,614/mo
▼ 0.25% · 3.875%
HK$42,982
−HK$1,317/mo
Today · 4.125%
HK$44,299
baseline
▲ 0.50% · 4.625%
HK$46,995
+HK$2,696/mo
Deposit HK$1.02M · loan HK$9.14M · min. income ≈ HK$88,598/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$380,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,374
−HK$2,506/mo
▼ 0.25% · 3.875%
HK$47,618
−HK$1,262/mo
Today · 4.125%
HK$48,880
baseline
▲ 0.50% · 4.625%
HK$51,456
+HK$2,576/mo
Deposit HK$1.02M · loan HK$9.14M · min. income ≈ HK$97,760/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$380,854 · Scale 2, in force from 26 Feb 2026)