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$23,176
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$23,897
−HK$732/mo
Today · 4.125%
HK$24,629
baseline
▲ 0.50% · 4.625%
HK$26,128
+HK$1,499/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$49,258/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$381,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,783
−HK$1,393/mo
▼ 0.25% · 3.875%
HK$26,475
−HK$701/mo
Today · 4.125%
HK$27,176
baseline
▲ 0.50% · 4.625%
HK$28,609
+HK$1,433/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$54,352/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$381,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,811
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$28,676
−HK$879/mo
Today · 4.125%
HK$29,555
baseline
▲ 0.50% · 4.625%
HK$31,354
+HK$1,799/mo
Deposit HK$4.07M · loan HK$6.10M · min. income ≈ HK$59,110/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,940
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$31,770
−HK$841/mo
Today · 4.125%
HK$32,611
baseline
▲ 0.50% · 4.625%
HK$34,330
+HK$1,719/mo
Deposit HK$4.07M · loan HK$6.10M · min. income ≈ HK$65,222/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,447
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$33,456
−HK$1,025/mo
Today · 4.125%
HK$34,481
baseline
▲ 0.50% · 4.625%
HK$36,579
+HK$2,098/mo
Deposit HK$3.05M · loan HK$7.11M · min. income ≈ HK$68,962/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$381,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,096
−HK$1,951/mo
▼ 0.25% · 3.875%
HK$37,065
−HK$982/mo
Today · 4.125%
HK$38,047
baseline
▲ 0.50% · 4.625%
HK$40,052
+HK$2,005/mo
Deposit HK$3.05M · loan HK$7.11M · min. income ≈ HK$76,094/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$381,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,717
−HK$2,616/mo
▼ 0.25% · 3.875%
HK$43,015
−HK$1,318/mo
Today · 4.125%
HK$44,333
baseline
▲ 0.50% · 4.625%
HK$47,031
+HK$2,698/mo
Deposit HK$1.02M · loan HK$9.15M · min. income ≈ HK$88,666/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,410
−HK$2,507/mo
▼ 0.25% · 3.875%
HK$47,654
−HK$1,263/mo
Today · 4.125%
HK$48,917
baseline
▲ 0.50% · 4.625%
HK$51,496
+HK$2,579/mo
Deposit HK$1.02M · loan HK$9.15M · min. income ≈ HK$97,834/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,143 · Scale 2, in force from 26 Feb 2026)