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$23,201
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$23,922
−HK$734/mo
Today · 4.125%
HK$24,656
baseline
▲ 0.50% · 4.625%
HK$26,156
+HK$1,500/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$49,312/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$381,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,811
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$26,503
−HK$702/mo
Today · 4.125%
HK$27,205
baseline
▲ 0.50% · 4.625%
HK$28,639
+HK$1,434/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$54,410/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$381,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,841
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$28,707
−HK$880/mo
Today · 4.125%
HK$29,587
baseline
▲ 0.50% · 4.625%
HK$31,387
+HK$1,800/mo
Deposit HK$4.07M · loan HK$6.10M · min. income ≈ HK$59,174/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,973
−HK$1,673/mo
▼ 0.25% · 3.875%
HK$31,803
−HK$843/mo
Today · 4.125%
HK$32,646
baseline
▲ 0.50% · 4.625%
HK$34,367
+HK$1,721/mo
Deposit HK$4.07M · loan HK$6.10M · min. income ≈ HK$65,292/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,481
−HK$2,037/mo
▼ 0.25% · 3.875%
HK$33,491
−HK$1,027/mo
Today · 4.125%
HK$34,518
baseline
▲ 0.50% · 4.625%
HK$36,618
+HK$2,100/mo
Deposit HK$3.05M · loan HK$7.12M · min. income ≈ HK$69,036/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$381,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,135
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$37,104
−HK$983/mo
Today · 4.125%
HK$38,087
baseline
▲ 0.50% · 4.625%
HK$40,095
+HK$2,008/mo
Deposit HK$3.05M · loan HK$7.12M · min. income ≈ HK$76,174/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$381,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,761
−HK$2,619/mo
▼ 0.25% · 3.875%
HK$43,060
−HK$1,320/mo
Today · 4.125%
HK$44,380
baseline
▲ 0.50% · 4.625%
HK$47,080
+HK$2,700/mo
Deposit HK$1.02M · loan HK$9.16M · min. income ≈ HK$88,760/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,459
−HK$2,510/mo
▼ 0.25% · 3.875%
HK$47,705
−HK$1,264/mo
Today · 4.125%
HK$48,969
baseline
▲ 0.50% · 4.625%
HK$51,550
+HK$2,581/mo
Deposit HK$1.02M · loan HK$9.16M · min. income ≈ HK$97,938/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,548 · Scale 2, in force from 26 Feb 2026)