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$23,076
−HK$1,447/mo
▼ 0.25% · 3.875%
HK$23,793
−HK$730/mo
Today · 4.125%
HK$24,523
baseline
▲ 0.50% · 4.625%
HK$26,015
+HK$1,492/mo
Deposit HK$5.06M · loan HK$5.06M · min. income ≈ HK$49,046/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$379,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,671
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$26,360
−HK$698/mo
Today · 4.125%
HK$27,058
baseline
▲ 0.50% · 4.625%
HK$28,485
+HK$1,427/mo
Deposit HK$5.06M · loan HK$5.06M · min. income ≈ HK$54,116/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$379,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,691
−HK$1,736/mo
▼ 0.25% · 3.875%
HK$28,552
−HK$875/mo
Today · 4.125%
HK$29,427
baseline
▲ 0.50% · 4.625%
HK$31,218
+HK$1,791/mo
Deposit HK$4.05M · loan HK$6.07M · min. income ≈ HK$58,854/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$379,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,806
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$31,632
−HK$838/mo
Today · 4.125%
HK$32,470
baseline
▲ 0.50% · 4.625%
HK$34,182
+HK$1,712/mo
Deposit HK$4.05M · loan HK$6.07M · min. income ≈ HK$64,940/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$379,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,306
−HK$2,026/mo
▼ 0.25% · 3.875%
HK$33,311
−HK$1,021/mo
Today · 4.125%
HK$34,332
baseline
▲ 0.50% · 4.625%
HK$36,421
+HK$2,089/mo
Deposit HK$3.04M · loan HK$7.08M · min. income ≈ HK$68,664/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$379,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,940
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$36,904
−HK$978/mo
Today · 4.125%
HK$37,882
baseline
▲ 0.50% · 4.625%
HK$39,879
+HK$1,997/mo
Deposit HK$3.04M · loan HK$7.08M · min. income ≈ HK$75,764/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$379,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,536
−HK$2,605/mo
▼ 0.25% · 3.875%
HK$42,828
−HK$1,313/mo
Today · 4.125%
HK$44,141
baseline
▲ 0.50% · 4.625%
HK$46,827
+HK$2,686/mo
Deposit HK$1.01M · loan HK$9.11M · min. income ≈ HK$88,282/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,209
−HK$2,496/mo
▼ 0.25% · 3.875%
HK$47,448
−HK$1,257/mo
Today · 4.125%
HK$48,705
baseline
▲ 0.50% · 4.625%
HK$51,272
+HK$2,567/mo
Deposit HK$1.01M · loan HK$9.11M · min. income ≈ HK$97,410/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,492 · Scale 2, in force from 26 Feb 2026)