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$23,146
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$23,866
−HK$732/mo
Today · 4.125%
HK$24,598
baseline
▲ 0.50% · 4.625%
HK$26,094
+HK$1,496/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$49,196/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$380,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,750
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$26,440
−HK$701/mo
Today · 4.125%
HK$27,141
baseline
▲ 0.50% · 4.625%
HK$28,572
+HK$1,431/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$54,282/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$380,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,775
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$28,639
−HK$878/mo
Today · 4.125%
HK$29,517
baseline
▲ 0.50% · 4.625%
HK$31,313
+HK$1,796/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$59,034/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,900
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$31,728
−HK$841/mo
Today · 4.125%
HK$32,569
baseline
▲ 0.50% · 4.625%
HK$34,286
+HK$1,717/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$65,138/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,404
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$33,412
−HK$1,025/mo
Today · 4.125%
HK$34,437
baseline
▲ 0.50% · 4.625%
HK$36,532
+HK$2,095/mo
Deposit HK$3.05M · loan HK$7.11M · min. income ≈ HK$68,874/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$380,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,050
−HK$1,947/mo
▼ 0.25% · 3.875%
HK$37,016
−HK$981/mo
Today · 4.125%
HK$37,997
baseline
▲ 0.50% · 4.625%
HK$40,000
+HK$2,003/mo
Deposit HK$3.05M · loan HK$7.11M · min. income ≈ HK$75,994/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$380,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,663
−HK$2,613/mo
▼ 0.25% · 3.875%
HK$42,959
−HK$1,317/mo
Today · 4.125%
HK$44,276
baseline
▲ 0.50% · 4.625%
HK$46,970
+HK$2,694/mo
Deposit HK$1.02M · loan HK$9.14M · min. income ≈ HK$88,552/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$380,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,350
−HK$2,504/mo
▼ 0.25% · 3.875%
HK$47,593
−HK$1,261/mo
Today · 4.125%
HK$48,854
baseline
▲ 0.50% · 4.625%
HK$51,429
+HK$2,575/mo
Deposit HK$1.02M · loan HK$9.14M · min. income ≈ HK$97,708/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$380,649 · Scale 2, in force from 26 Feb 2026)