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$23,129
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$23,848
−HK$731/mo
Today · 4.125%
HK$24,579
baseline
▲ 0.50% · 4.625%
HK$26,074
+HK$1,495/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$49,158/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$380,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,730
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$26,420
−HK$700/mo
Today · 4.125%
HK$27,120
baseline
▲ 0.50% · 4.625%
HK$28,550
+HK$1,430/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$54,240/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$380,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,754
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$28,618
−HK$877/mo
Today · 4.125%
HK$29,495
baseline
▲ 0.50% · 4.625%
HK$31,289
+HK$1,794/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$58,990/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,876
−HK$1,668/mo
▼ 0.25% · 3.875%
HK$31,704
−HK$840/mo
Today · 4.125%
HK$32,544
baseline
▲ 0.50% · 4.625%
HK$34,260
+HK$1,716/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$65,088/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,380
−HK$2,030/mo
▼ 0.25% · 3.875%
HK$33,387
−HK$1,023/mo
Today · 4.125%
HK$34,410
baseline
▲ 0.50% · 4.625%
HK$36,504
+HK$2,094/mo
Deposit HK$3.04M · loan HK$7.10M · min. income ≈ HK$68,820/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$380,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,022
−HK$1,947/mo
▼ 0.25% · 3.875%
HK$36,989
−HK$980/mo
Today · 4.125%
HK$37,969
baseline
▲ 0.50% · 4.625%
HK$39,970
+HK$2,001/mo
Deposit HK$3.04M · loan HK$7.10M · min. income ≈ HK$75,938/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$380,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,631
−HK$2,611/mo
▼ 0.25% · 3.875%
HK$42,926
−HK$1,316/mo
Today · 4.125%
HK$44,242
baseline
▲ 0.50% · 4.625%
HK$46,934
+HK$2,692/mo
Deposit HK$1.01M · loan HK$9.13M · min. income ≈ HK$88,484/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$380,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,315
−HK$2,502/mo
▼ 0.25% · 3.875%
HK$47,557
−HK$1,260/mo
Today · 4.125%
HK$48,817
baseline
▲ 0.50% · 4.625%
HK$51,390
+HK$2,573/mo
Deposit HK$1.01M · loan HK$9.13M · min. income ≈ HK$97,634/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$380,362 · Scale 2, in force from 26 Feb 2026)