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$23,123
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$23,842
−HK$731/mo
Today · 4.125%
HK$24,573
baseline
▲ 0.50% · 4.625%
HK$26,068
+HK$1,495/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$49,146/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$380,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,724
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$26,414
−HK$699/mo
Today · 4.125%
HK$27,113
baseline
▲ 0.50% · 4.625%
HK$28,543
+HK$1,430/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$54,226/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$380,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,747
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$28,610
−HK$877/mo
Today · 4.125%
HK$29,487
baseline
▲ 0.50% · 4.625%
HK$31,281
+HK$1,794/mo
Deposit HK$4.06M · loan HK$6.08M · min. income ≈ HK$58,974/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,868
−HK$1,668/mo
▼ 0.25% · 3.875%
HK$31,696
−HK$840/mo
Today · 4.125%
HK$32,536
baseline
▲ 0.50% · 4.625%
HK$34,251
+HK$1,715/mo
Deposit HK$4.06M · loan HK$6.08M · min. income ≈ HK$65,072/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,372
−HK$2,030/mo
▼ 0.25% · 3.875%
HK$33,379
−HK$1,023/mo
Today · 4.125%
HK$34,402
baseline
▲ 0.50% · 4.625%
HK$36,495
+HK$2,093/mo
Deposit HK$3.04M · loan HK$7.10M · min. income ≈ HK$68,804/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$380,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,013
−HK$1,946/mo
▼ 0.25% · 3.875%
HK$36,979
−HK$980/mo
Today · 4.125%
HK$37,959
baseline
▲ 0.50% · 4.625%
HK$39,960
+HK$2,001/mo
Deposit HK$3.04M · loan HK$7.10M · min. income ≈ HK$75,918/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$380,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,621
−HK$2,610/mo
▼ 0.25% · 3.875%
HK$42,915
−HK$1,316/mo
Today · 4.125%
HK$44,231
baseline
▲ 0.50% · 4.625%
HK$46,922
+HK$2,691/mo
Deposit HK$1.01M · loan HK$9.13M · min. income ≈ HK$88,462/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$380,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,303
−HK$2,501/mo
▼ 0.25% · 3.875%
HK$47,544
−HK$1,260/mo
Today · 4.125%
HK$48,804
baseline
▲ 0.50% · 4.625%
HK$51,377
+HK$2,573/mo
Deposit HK$1.01M · loan HK$9.13M · min. income ≈ HK$97,608/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$380,264 · Scale 2, in force from 26 Feb 2026)