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$23,083
−HK$1,447/mo
▼ 0.25% · 3.875%
HK$23,801
−HK$729/mo
Today · 4.125%
HK$24,530
baseline
▲ 0.50% · 4.625%
HK$26,023
+HK$1,493/mo
Deposit HK$5.06M · loan HK$5.06M · min. income ≈ HK$49,060/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$379,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,679
−HK$1,388/mo
▼ 0.25% · 3.875%
HK$26,368
−HK$699/mo
Today · 4.125%
HK$27,067
baseline
▲ 0.50% · 4.625%
HK$28,494
+HK$1,427/mo
Deposit HK$5.06M · loan HK$5.06M · min. income ≈ HK$54,134/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$379,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,699
−HK$1,737/mo
▼ 0.25% · 3.875%
HK$28,561
−HK$875/mo
Today · 4.125%
HK$29,436
baseline
▲ 0.50% · 4.625%
HK$31,228
+HK$1,792/mo
Deposit HK$4.05M · loan HK$6.07M · min. income ≈ HK$58,872/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$379,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,815
−HK$1,665/mo
▼ 0.25% · 3.875%
HK$31,642
−HK$838/mo
Today · 4.125%
HK$32,480
baseline
▲ 0.50% · 4.625%
HK$34,192
+HK$1,712/mo
Deposit HK$4.05M · loan HK$6.07M · min. income ≈ HK$64,960/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$379,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,316
−HK$2,027/mo
▼ 0.25% · 3.875%
HK$33,321
−HK$1,022/mo
Today · 4.125%
HK$34,343
baseline
▲ 0.50% · 4.625%
HK$36,432
+HK$2,089/mo
Deposit HK$3.04M · loan HK$7.09M · min. income ≈ HK$68,686/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$379,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,951
−HK$1,943/mo
▼ 0.25% · 3.875%
HK$36,915
−HK$979/mo
Today · 4.125%
HK$37,894
baseline
▲ 0.50% · 4.625%
HK$39,891
+HK$1,997/mo
Deposit HK$3.04M · loan HK$7.09M · min. income ≈ HK$75,788/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$379,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,549
−HK$2,606/mo
▼ 0.25% · 3.875%
HK$42,842
−HK$1,313/mo
Today · 4.125%
HK$44,155
baseline
▲ 0.50% · 4.625%
HK$46,841
+HK$2,686/mo
Deposit HK$1.01M · loan HK$9.11M · min. income ≈ HK$88,310/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,223
−HK$2,497/mo
▼ 0.25% · 3.875%
HK$47,463
−HK$1,257/mo
Today · 4.125%
HK$48,720
baseline
▲ 0.50% · 4.625%
HK$51,288
+HK$2,568/mo
Deposit HK$1.01M · loan HK$9.11M · min. income ≈ HK$97,440/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,611 · Scale 2, in force from 26 Feb 2026)