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$23,070
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$23,787
−HK$729/mo
Today · 4.125%
HK$24,516
baseline
▲ 0.50% · 4.625%
HK$26,008
+HK$1,492/mo
Deposit HK$5.06M · loan HK$5.06M · min. income ≈ HK$49,032/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$379,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,665
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$26,353
−HK$698/mo
Today · 4.125%
HK$27,051
baseline
▲ 0.50% · 4.625%
HK$28,477
+HK$1,426/mo
Deposit HK$5.06M · loan HK$5.06M · min. income ≈ HK$54,102/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$379,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,683
−HK$1,736/mo
▼ 0.25% · 3.875%
HK$28,545
−HK$874/mo
Today · 4.125%
HK$29,419
baseline
▲ 0.50% · 4.625%
HK$31,210
+HK$1,791/mo
Deposit HK$4.05M · loan HK$6.07M · min. income ≈ HK$58,838/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$379,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,798
−HK$1,663/mo
▼ 0.25% · 3.875%
HK$31,624
−HK$837/mo
Today · 4.125%
HK$32,461
baseline
▲ 0.50% · 4.625%
HK$34,173
+HK$1,712/mo
Deposit HK$4.05M · loan HK$6.07M · min. income ≈ HK$64,922/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$379,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,297
−HK$2,026/mo
▼ 0.25% · 3.875%
HK$33,302
−HK$1,021/mo
Today · 4.125%
HK$34,323
baseline
▲ 0.50% · 4.625%
HK$36,411
+HK$2,088/mo
Deposit HK$3.04M · loan HK$7.08M · min. income ≈ HK$68,646/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$379,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,930
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$36,894
−HK$978/mo
Today · 4.125%
HK$37,872
baseline
▲ 0.50% · 4.625%
HK$39,868
+HK$1,996/mo
Deposit HK$3.04M · loan HK$7.08M · min. income ≈ HK$75,744/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$379,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,525
−HK$2,604/mo
▼ 0.25% · 3.875%
HK$42,817
−HK$1,312/mo
Today · 4.125%
HK$44,129
baseline
▲ 0.50% · 4.625%
HK$46,814
+HK$2,685/mo
Deposit HK$1.01M · loan HK$9.11M · min. income ≈ HK$88,258/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,196
−HK$2,496/mo
▼ 0.25% · 3.875%
HK$47,435
−HK$1,257/mo
Today · 4.125%
HK$48,692
baseline
▲ 0.50% · 4.625%
HK$51,259
+HK$2,567/mo
Deposit HK$1.01M · loan HK$9.11M · min. income ≈ HK$97,384/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,391 · Scale 2, in force from 26 Feb 2026)