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$23,115
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$23,834
−HK$731/mo
Today · 4.125%
HK$24,565
baseline
▲ 0.50% · 4.625%
HK$26,059
+HK$1,494/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$49,130/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$380,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,715
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$26,405
−HK$700/mo
Today · 4.125%
HK$27,105
baseline
▲ 0.50% · 4.625%
HK$28,533
+HK$1,428/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$54,210/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$380,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,738
−HK$1,739/mo
▼ 0.25% · 3.875%
HK$28,601
−HK$876/mo
Today · 4.125%
HK$29,477
baseline
▲ 0.50% · 4.625%
HK$31,271
+HK$1,794/mo
Deposit HK$4.05M · loan HK$6.08M · min. income ≈ HK$58,954/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$380,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,858
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$31,686
−HK$839/mo
Today · 4.125%
HK$32,525
baseline
▲ 0.50% · 4.625%
HK$34,240
+HK$1,715/mo
Deposit HK$4.05M · loan HK$6.08M · min. income ≈ HK$65,050/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$380,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,361
−HK$2,029/mo
▼ 0.25% · 3.875%
HK$33,368
−HK$1,022/mo
Today · 4.125%
HK$34,390
baseline
▲ 0.50% · 4.625%
HK$36,483
+HK$2,093/mo
Deposit HK$3.04M · loan HK$7.10M · min. income ≈ HK$68,780/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$380,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,001
−HK$1,945/mo
▼ 0.25% · 3.875%
HK$36,967
−HK$979/mo
Today · 4.125%
HK$37,946
baseline
▲ 0.50% · 4.625%
HK$39,947
+HK$2,001/mo
Deposit HK$3.04M · loan HK$7.10M · min. income ≈ HK$75,892/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$380,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,607
−HK$2,609/mo
▼ 0.25% · 3.875%
HK$42,901
−HK$1,315/mo
Today · 4.125%
HK$44,216
baseline
▲ 0.50% · 4.625%
HK$46,907
+HK$2,691/mo
Deposit HK$1.01M · loan HK$9.12M · min. income ≈ HK$88,432/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$380,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,287
−HK$2,501/mo
▼ 0.25% · 3.875%
HK$47,529
−HK$1,259/mo
Today · 4.125%
HK$48,788
baseline
▲ 0.50% · 4.625%
HK$51,360
+HK$2,572/mo
Deposit HK$1.01M · loan HK$9.12M · min. income ≈ HK$97,576/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$380,139 · Scale 2, in force from 26 Feb 2026)