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$23,232
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$23,955
−HK$734/mo
Today · 4.125%
HK$24,689
baseline
▲ 0.50% · 4.625%
HK$26,191
+HK$1,502/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$49,378/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$382,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,845
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$26,539
−HK$703/mo
Today · 4.125%
HK$27,242
baseline
▲ 0.50% · 4.625%
HK$28,678
+HK$1,436/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$54,484/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$382,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,878
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$28,746
−HK$881/mo
Today · 4.125%
HK$29,627
baseline
▲ 0.50% · 4.625%
HK$31,429
+HK$1,802/mo
Deposit HK$4.08M · loan HK$6.11M · min. income ≈ HK$59,254/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,014
−HK$1,676/mo
▼ 0.25% · 3.875%
HK$31,846
−HK$844/mo
Today · 4.125%
HK$32,690
baseline
▲ 0.50% · 4.625%
HK$34,413
+HK$1,723/mo
Deposit HK$4.08M · loan HK$6.11M · min. income ≈ HK$65,380/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,525
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$33,537
−HK$1,027/mo
Today · 4.125%
HK$34,564
baseline
▲ 0.50% · 4.625%
HK$36,668
+HK$2,104/mo
Deposit HK$3.06M · loan HK$7.13M · min. income ≈ HK$69,128/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,184
−HK$1,954/mo
▼ 0.25% · 3.875%
HK$37,154
−HK$984/mo
Today · 4.125%
HK$38,138
baseline
▲ 0.50% · 4.625%
HK$40,149
+HK$2,011/mo
Deposit HK$3.06M · loan HK$7.13M · min. income ≈ HK$76,276/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,818
−HK$2,622/mo
▼ 0.25% · 3.875%
HK$43,118
−HK$1,322/mo
Today · 4.125%
HK$44,440
baseline
▲ 0.50% · 4.625%
HK$47,144
+HK$2,704/mo
Deposit HK$1.02M · loan HK$9.17M · min. income ≈ HK$88,880/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,522
−HK$2,513/mo
▼ 0.25% · 3.875%
HK$47,769
−HK$1,266/mo
Today · 4.125%
HK$49,035
baseline
▲ 0.50% · 4.625%
HK$51,620
+HK$2,585/mo
Deposit HK$1.02M · loan HK$9.17M · min. income ≈ HK$98,070/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,063 · Scale 2, in force from 26 Feb 2026)