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$23,096
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$23,814
−HK$730/mo
Today · 4.125%
HK$24,544
baseline
▲ 0.50% · 4.625%
HK$26,037
+HK$1,493/mo
Deposit HK$5.06M · loan HK$5.06M · min. income ≈ HK$49,088/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$379,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,694
−HK$1,388/mo
▼ 0.25% · 3.875%
HK$26,383
−HK$699/mo
Today · 4.125%
HK$27,082
baseline
▲ 0.50% · 4.625%
HK$28,509
+HK$1,427/mo
Deposit HK$5.06M · loan HK$5.06M · min. income ≈ HK$54,164/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$379,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,715
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$28,577
−HK$876/mo
Today · 4.125%
HK$29,453
baseline
▲ 0.50% · 4.625%
HK$31,245
+HK$1,792/mo
Deposit HK$4.05M · loan HK$6.08M · min. income ≈ HK$58,906/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$379,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,832
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$31,659
−HK$839/mo
Today · 4.125%
HK$32,498
baseline
▲ 0.50% · 4.625%
HK$34,211
+HK$1,713/mo
Deposit HK$4.05M · loan HK$6.08M · min. income ≈ HK$64,996/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$379,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,334
−HK$2,027/mo
▼ 0.25% · 3.875%
HK$33,340
−HK$1,021/mo
Today · 4.125%
HK$34,361
baseline
▲ 0.50% · 4.625%
HK$36,452
+HK$2,091/mo
Deposit HK$3.04M · loan HK$7.09M · min. income ≈ HK$68,722/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$379,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,971
−HK$1,943/mo
▼ 0.25% · 3.875%
HK$36,936
−HK$978/mo
Today · 4.125%
HK$37,914
baseline
▲ 0.50% · 4.625%
HK$39,913
+HK$1,999/mo
Deposit HK$3.04M · loan HK$7.09M · min. income ≈ HK$75,828/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$379,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,572
−HK$2,607/mo
▼ 0.25% · 3.875%
HK$42,865
−HK$1,314/mo
Today · 4.125%
HK$44,179
baseline
▲ 0.50% · 4.625%
HK$46,867
+HK$2,688/mo
Deposit HK$1.01M · loan HK$9.12M · min. income ≈ HK$88,358/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,248
−HK$2,499/mo
▼ 0.25% · 3.875%
HK$47,489
−HK$1,258/mo
Today · 4.125%
HK$48,747
baseline
▲ 0.50% · 4.625%
HK$51,317
+HK$2,570/mo
Deposit HK$1.01M · loan HK$9.12M · min. income ≈ HK$97,494/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,819 · Scale 2, in force from 26 Feb 2026)