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$23,079
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$23,797
−HK$730/mo
Today · 4.125%
HK$24,527
baseline
▲ 0.50% · 4.625%
HK$26,019
+HK$1,492/mo
Deposit HK$5.06M · loan HK$5.06M · min. income ≈ HK$49,054/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$379,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,675
−HK$1,388/mo
▼ 0.25% · 3.875%
HK$26,364
−HK$699/mo
Today · 4.125%
HK$27,063
baseline
▲ 0.50% · 4.625%
HK$28,489
+HK$1,426/mo
Deposit HK$5.06M · loan HK$5.06M · min. income ≈ HK$54,126/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$379,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,695
−HK$1,737/mo
▼ 0.25% · 3.875%
HK$28,557
−HK$875/mo
Today · 4.125%
HK$29,432
baseline
▲ 0.50% · 4.625%
HK$31,223
+HK$1,791/mo
Deposit HK$4.05M · loan HK$6.07M · min. income ≈ HK$58,864/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$379,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,811
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$31,637
−HK$838/mo
Today · 4.125%
HK$32,475
baseline
▲ 0.50% · 4.625%
HK$34,187
+HK$1,712/mo
Deposit HK$4.05M · loan HK$6.07M · min. income ≈ HK$64,950/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$379,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,311
−HK$2,026/mo
▼ 0.25% · 3.875%
HK$33,316
−HK$1,021/mo
Today · 4.125%
HK$34,337
baseline
▲ 0.50% · 4.625%
HK$36,426
+HK$2,089/mo
Deposit HK$3.04M · loan HK$7.08M · min. income ≈ HK$68,674/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$379,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,946
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$36,910
−HK$978/mo
Today · 4.125%
HK$37,888
baseline
▲ 0.50% · 4.625%
HK$39,885
+HK$1,997/mo
Deposit HK$3.04M · loan HK$7.08M · min. income ≈ HK$75,776/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$379,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,543
−HK$2,605/mo
▼ 0.25% · 3.875%
HK$42,835
−HK$1,313/mo
Today · 4.125%
HK$44,148
baseline
▲ 0.50% · 4.625%
HK$46,834
+HK$2,686/mo
Deposit HK$1.01M · loan HK$9.11M · min. income ≈ HK$88,296/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,216
−HK$2,497/mo
▼ 0.25% · 3.875%
HK$47,455
−HK$1,258/mo
Today · 4.125%
HK$48,713
baseline
▲ 0.50% · 4.625%
HK$51,280
+HK$2,567/mo
Deposit HK$1.01M · loan HK$9.11M · min. income ≈ HK$97,426/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,550 · Scale 2, in force from 26 Feb 2026)