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$23,232
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$23,954
−HK$735/mo
Today · 4.125%
HK$24,689
baseline
▲ 0.50% · 4.625%
HK$26,191
+HK$1,502/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$49,378/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$382,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,845
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$26,538
−HK$703/mo
Today · 4.125%
HK$27,241
baseline
▲ 0.50% · 4.625%
HK$28,677
+HK$1,436/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$54,482/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$382,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,878
−HK$1,748/mo
▼ 0.25% · 3.875%
HK$28,745
−HK$881/mo
Today · 4.125%
HK$29,626
baseline
▲ 0.50% · 4.625%
HK$31,429
+HK$1,803/mo
Deposit HK$4.08M · loan HK$6.11M · min. income ≈ HK$59,252/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,014
−HK$1,676/mo
▼ 0.25% · 3.875%
HK$31,846
−HK$844/mo
Today · 4.125%
HK$32,690
baseline
▲ 0.50% · 4.625%
HK$34,413
+HK$1,723/mo
Deposit HK$4.08M · loan HK$6.11M · min. income ≈ HK$65,380/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,524
−HK$2,040/mo
▼ 0.25% · 3.875%
HK$33,536
−HK$1,028/mo
Today · 4.125%
HK$34,564
baseline
▲ 0.50% · 4.625%
HK$36,667
+HK$2,103/mo
Deposit HK$3.06M · loan HK$7.13M · min. income ≈ HK$69,128/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,183
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$37,153
−HK$985/mo
Today · 4.125%
HK$38,138
baseline
▲ 0.50% · 4.625%
HK$40,148
+HK$2,010/mo
Deposit HK$3.06M · loan HK$7.13M · min. income ≈ HK$76,276/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,817
−HK$2,622/mo
▼ 0.25% · 3.875%
HK$43,118
−HK$1,321/mo
Today · 4.125%
HK$44,439
baseline
▲ 0.50% · 4.625%
HK$47,143
+HK$2,704/mo
Deposit HK$1.02M · loan HK$9.17M · min. income ≈ HK$88,878/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,521
−HK$2,513/mo
▼ 0.25% · 3.875%
HK$47,769
−HK$1,265/mo
Today · 4.125%
HK$49,034
baseline
▲ 0.50% · 4.625%
HK$51,619
+HK$2,585/mo
Deposit HK$1.02M · loan HK$9.17M · min. income ≈ HK$98,068/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,058 · Scale 2, in force from 26 Feb 2026)