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$23,091
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$23,809
−HK$730/mo
Today · 4.125%
HK$24,539
baseline
▲ 0.50% · 4.625%
HK$26,032
+HK$1,493/mo
Deposit HK$5.06M · loan HK$5.06M · min. income ≈ HK$49,078/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$379,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,688
−HK$1,388/mo
▼ 0.25% · 3.875%
HK$26,377
−HK$699/mo
Today · 4.125%
HK$27,076
baseline
▲ 0.50% · 4.625%
HK$28,504
+HK$1,428/mo
Deposit HK$5.06M · loan HK$5.06M · min. income ≈ HK$54,152/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$379,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,709
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$28,571
−HK$876/mo
Today · 4.125%
HK$29,447
baseline
▲ 0.50% · 4.625%
HK$31,238
+HK$1,791/mo
Deposit HK$4.05M · loan HK$6.08M · min. income ≈ HK$58,894/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$379,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,826
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$31,653
−HK$839/mo
Today · 4.125%
HK$32,492
baseline
▲ 0.50% · 4.625%
HK$34,204
+HK$1,712/mo
Deposit HK$4.05M · loan HK$6.08M · min. income ≈ HK$64,984/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$379,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,327
−HK$2,027/mo
▼ 0.25% · 3.875%
HK$33,333
−HK$1,021/mo
Today · 4.125%
HK$34,354
baseline
▲ 0.50% · 4.625%
HK$36,445
+HK$2,091/mo
Deposit HK$3.04M · loan HK$7.09M · min. income ≈ HK$68,708/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$379,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,964
−HK$1,943/mo
▼ 0.25% · 3.875%
HK$36,928
−HK$979/mo
Today · 4.125%
HK$37,907
baseline
▲ 0.50% · 4.625%
HK$39,905
+HK$1,998/mo
Deposit HK$3.04M · loan HK$7.09M · min. income ≈ HK$75,814/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$379,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,564
−HK$2,606/mo
▼ 0.25% · 3.875%
HK$42,857
−HK$1,313/mo
Today · 4.125%
HK$44,170
baseline
▲ 0.50% · 4.625%
HK$46,858
+HK$2,688/mo
Deposit HK$1.01M · loan HK$9.11M · min. income ≈ HK$88,340/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,239
−HK$2,498/mo
▼ 0.25% · 3.875%
HK$47,479
−HK$1,258/mo
Today · 4.125%
HK$48,737
baseline
▲ 0.50% · 4.625%
HK$51,306
+HK$2,569/mo
Deposit HK$1.01M · loan HK$9.11M · min. income ≈ HK$97,474/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,743 · Scale 2, in force from 26 Feb 2026)