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$23,228
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$23,950
−HK$734/mo
Today · 4.125%
HK$24,684
baseline
▲ 0.50% · 4.625%
HK$26,186
+HK$1,502/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$49,368/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$381,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,840
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$26,533
−HK$703/mo
Today · 4.125%
HK$27,236
baseline
▲ 0.50% · 4.625%
HK$28,672
+HK$1,436/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$54,472/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$381,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,873
−HK$1,748/mo
▼ 0.25% · 3.875%
HK$28,740
−HK$881/mo
Today · 4.125%
HK$29,621
baseline
▲ 0.50% · 4.625%
HK$31,423
+HK$1,802/mo
Deposit HK$4.07M · loan HK$6.11M · min. income ≈ HK$59,242/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$381,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,008
−HK$1,676/mo
▼ 0.25% · 3.875%
HK$31,840
−HK$844/mo
Today · 4.125%
HK$32,684
baseline
▲ 0.50% · 4.625%
HK$34,407
+HK$1,723/mo
Deposit HK$4.07M · loan HK$6.11M · min. income ≈ HK$65,368/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$381,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,519
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$33,530
−HK$1,028/mo
Today · 4.125%
HK$34,558
baseline
▲ 0.50% · 4.625%
HK$36,661
+HK$2,103/mo
Deposit HK$3.06M · loan HK$7.13M · min. income ≈ HK$69,116/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$381,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,177
−HK$1,954/mo
▼ 0.25% · 3.875%
HK$37,147
−HK$984/mo
Today · 4.125%
HK$38,131
baseline
▲ 0.50% · 4.625%
HK$40,141
+HK$2,010/mo
Deposit HK$3.06M · loan HK$7.13M · min. income ≈ HK$76,262/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$381,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,810
−HK$2,621/mo
▼ 0.25% · 3.875%
HK$43,110
−HK$1,321/mo
Today · 4.125%
HK$44,431
baseline
▲ 0.50% · 4.625%
HK$47,135
+HK$2,704/mo
Deposit HK$1.02M · loan HK$9.17M · min. income ≈ HK$88,862/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,513
−HK$2,513/mo
▼ 0.25% · 3.875%
HK$47,760
−HK$1,266/mo
Today · 4.125%
HK$49,026
baseline
▲ 0.50% · 4.625%
HK$51,610
+HK$2,584/mo
Deposit HK$1.02M · loan HK$9.17M · min. income ≈ HK$98,052/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,990 · Scale 2, in force from 26 Feb 2026)