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$23,121
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$23,841
−HK$730/mo
Today · 4.125%
HK$24,571
baseline
▲ 0.50% · 4.625%
HK$26,066
+HK$1,495/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$49,142/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$380,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,722
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$26,412
−HK$700/mo
Today · 4.125%
HK$27,112
baseline
▲ 0.50% · 4.625%
HK$28,541
+HK$1,429/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$54,224/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$380,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,746
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$28,609
−HK$877/mo
Today · 4.125%
HK$29,486
baseline
▲ 0.50% · 4.625%
HK$31,280
+HK$1,794/mo
Deposit HK$4.06M · loan HK$6.08M · min. income ≈ HK$58,972/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,867
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$31,695
−HK$839/mo
Today · 4.125%
HK$32,534
baseline
▲ 0.50% · 4.625%
HK$34,249
+HK$1,715/mo
Deposit HK$4.06M · loan HK$6.08M · min. income ≈ HK$65,068/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,370
−HK$2,030/mo
▼ 0.25% · 3.875%
HK$33,377
−HK$1,023/mo
Today · 4.125%
HK$34,400
baseline
▲ 0.50% · 4.625%
HK$36,493
+HK$2,093/mo
Deposit HK$3.04M · loan HK$7.10M · min. income ≈ HK$68,800/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$380,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,011
−HK$1,946/mo
▼ 0.25% · 3.875%
HK$36,977
−HK$980/mo
Today · 4.125%
HK$37,957
baseline
▲ 0.50% · 4.625%
HK$39,958
+HK$2,001/mo
Deposit HK$3.04M · loan HK$7.10M · min. income ≈ HK$75,914/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$380,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,618
−HK$2,610/mo
▼ 0.25% · 3.875%
HK$42,913
−HK$1,315/mo
Today · 4.125%
HK$44,228
baseline
▲ 0.50% · 4.625%
HK$46,919
+HK$2,691/mo
Deposit HK$1.01M · loan HK$9.13M · min. income ≈ HK$88,456/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$380,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,300
−HK$2,502/mo
▼ 0.25% · 3.875%
HK$47,542
−HK$1,260/mo
Today · 4.125%
HK$48,802
baseline
▲ 0.50% · 4.625%
HK$51,374
+HK$2,572/mo
Deposit HK$1.01M · loan HK$9.13M · min. income ≈ HK$97,604/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$380,243 · Scale 2, in force from 26 Feb 2026)