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$23,192
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$23,914
−HK$733/mo
Today · 4.125%
HK$24,647
baseline
▲ 0.50% · 4.625%
HK$26,146
+HK$1,499/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$49,294/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$381,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,801
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$26,493
−HK$702/mo
Today · 4.125%
HK$27,195
baseline
▲ 0.50% · 4.625%
HK$28,629
+HK$1,434/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$54,390/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$381,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,831
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$28,696
−HK$880/mo
Today · 4.125%
HK$29,576
baseline
▲ 0.50% · 4.625%
HK$31,376
+HK$1,800/mo
Deposit HK$4.07M · loan HK$6.10M · min. income ≈ HK$59,152/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,961
−HK$1,673/mo
▼ 0.25% · 3.875%
HK$31,792
−HK$842/mo
Today · 4.125%
HK$32,634
baseline
▲ 0.50% · 4.625%
HK$34,354
+HK$1,720/mo
Deposit HK$4.07M · loan HK$6.10M · min. income ≈ HK$65,268/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,469
−HK$2,036/mo
▼ 0.25% · 3.875%
HK$33,479
−HK$1,026/mo
Today · 4.125%
HK$34,505
baseline
▲ 0.50% · 4.625%
HK$36,605
+HK$2,100/mo
Deposit HK$3.05M · loan HK$7.12M · min. income ≈ HK$69,010/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$381,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,122
−HK$1,951/mo
▼ 0.25% · 3.875%
HK$37,090
−HK$983/mo
Today · 4.125%
HK$38,073
baseline
▲ 0.50% · 4.625%
HK$40,080
+HK$2,007/mo
Deposit HK$3.05M · loan HK$7.12M · min. income ≈ HK$76,146/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$381,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,746
−HK$2,618/mo
▼ 0.25% · 3.875%
HK$43,045
−HK$1,319/mo
Today · 4.125%
HK$44,364
baseline
▲ 0.50% · 4.625%
HK$47,063
+HK$2,699/mo
Deposit HK$1.02M · loan HK$9.15M · min. income ≈ HK$88,728/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,442
−HK$2,509/mo
▼ 0.25% · 3.875%
HK$47,688
−HK$1,263/mo
Today · 4.125%
HK$48,951
baseline
▲ 0.50% · 4.625%
HK$51,532
+HK$2,581/mo
Deposit HK$1.02M · loan HK$9.15M · min. income ≈ HK$97,902/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,410 · Scale 2, in force from 26 Feb 2026)