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$23,086
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$23,804
−HK$730/mo
Today · 4.125%
HK$24,534
baseline
▲ 0.50% · 4.625%
HK$26,027
+HK$1,493/mo
Deposit HK$5.06M · loan HK$5.06M · min. income ≈ HK$49,068/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$379,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,683
−HK$1,388/mo
▼ 0.25% · 3.875%
HK$26,372
−HK$699/mo
Today · 4.125%
HK$27,071
baseline
▲ 0.50% · 4.625%
HK$28,498
+HK$1,427/mo
Deposit HK$5.06M · loan HK$5.06M · min. income ≈ HK$54,142/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$379,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,704
−HK$1,737/mo
▼ 0.25% · 3.875%
HK$28,565
−HK$876/mo
Today · 4.125%
HK$29,441
baseline
▲ 0.50% · 4.625%
HK$31,232
+HK$1,791/mo
Deposit HK$4.05M · loan HK$6.07M · min. income ≈ HK$58,882/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$379,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,820
−HK$1,665/mo
▼ 0.25% · 3.875%
HK$31,646
−HK$839/mo
Today · 4.125%
HK$32,485
baseline
▲ 0.50% · 4.625%
HK$34,197
+HK$1,712/mo
Deposit HK$4.05M · loan HK$6.07M · min. income ≈ HK$64,970/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$379,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,321
−HK$2,027/mo
▼ 0.25% · 3.875%
HK$33,326
−HK$1,022/mo
Today · 4.125%
HK$34,348
baseline
▲ 0.50% · 4.625%
HK$36,438
+HK$2,090/mo
Deposit HK$3.04M · loan HK$7.09M · min. income ≈ HK$68,696/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$379,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,957
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$36,921
−HK$978/mo
Today · 4.125%
HK$37,899
baseline
▲ 0.50% · 4.625%
HK$39,897
+HK$1,998/mo
Deposit HK$3.04M · loan HK$7.09M · min. income ≈ HK$75,798/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$379,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,555
−HK$2,606/mo
▼ 0.25% · 3.875%
HK$42,848
−HK$1,313/mo
Today · 4.125%
HK$44,161
baseline
▲ 0.50% · 4.625%
HK$46,848
+HK$2,687/mo
Deposit HK$1.01M · loan HK$9.11M · min. income ≈ HK$88,322/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,230
−HK$2,498/mo
▼ 0.25% · 3.875%
HK$47,470
−HK$1,258/mo
Today · 4.125%
HK$48,728
baseline
▲ 0.50% · 4.625%
HK$51,296
+HK$2,568/mo
Deposit HK$1.01M · loan HK$9.11M · min. income ≈ HK$97,456/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,667 · Scale 2, in force from 26 Feb 2026)