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$23,160
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$23,881
−HK$732/mo
Today · 4.125%
HK$24,613
baseline
▲ 0.50% · 4.625%
HK$26,110
+HK$1,497/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$49,226/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$380,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,766
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$26,457
−HK$701/mo
Today · 4.125%
HK$27,158
baseline
▲ 0.50% · 4.625%
HK$28,589
+HK$1,431/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$54,316/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$380,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,792
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$28,657
−HK$878/mo
Today · 4.125%
HK$29,535
baseline
▲ 0.50% · 4.625%
HK$31,332
+HK$1,797/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$59,070/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,919
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$31,748
−HK$841/mo
Today · 4.125%
HK$32,589
baseline
▲ 0.50% · 4.625%
HK$34,307
+HK$1,718/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$65,178/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,424
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$33,433
−HK$1,025/mo
Today · 4.125%
HK$34,458
baseline
▲ 0.50% · 4.625%
HK$36,554
+HK$2,096/mo
Deposit HK$3.05M · loan HK$7.11M · min. income ≈ HK$68,916/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$380,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,072
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$37,039
−HK$982/mo
Today · 4.125%
HK$38,021
baseline
▲ 0.50% · 4.625%
HK$40,025
+HK$2,004/mo
Deposit HK$3.05M · loan HK$7.11M · min. income ≈ HK$76,042/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$380,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,689
−HK$2,614/mo
▼ 0.25% · 3.875%
HK$42,985
−HK$1,318/mo
Today · 4.125%
HK$44,303
baseline
▲ 0.50% · 4.625%
HK$46,999
+HK$2,696/mo
Deposit HK$1.02M · loan HK$9.14M · min. income ≈ HK$88,606/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$380,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,378
−HK$2,506/mo
▼ 0.25% · 3.875%
HK$47,622
−HK$1,262/mo
Today · 4.125%
HK$48,884
baseline
▲ 0.50% · 4.625%
HK$51,461
+HK$2,577/mo
Deposit HK$1.02M · loan HK$9.14M · min. income ≈ HK$97,768/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$380,884 · Scale 2, in force from 26 Feb 2026)