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$23,124
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$23,843
−HK$731/mo
Today · 4.125%
HK$24,574
baseline
▲ 0.50% · 4.625%
HK$26,069
+HK$1,495/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$49,148/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$380,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,725
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$26,415
−HK$700/mo
Today · 4.125%
HK$27,115
baseline
▲ 0.50% · 4.625%
HK$28,544
+HK$1,429/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$54,230/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$380,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,748
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$28,611
−HK$877/mo
Today · 4.125%
HK$29,488
baseline
▲ 0.50% · 4.625%
HK$31,283
+HK$1,795/mo
Deposit HK$4.06M · loan HK$6.08M · min. income ≈ HK$58,976/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,870
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$31,698
−HK$839/mo
Today · 4.125%
HK$32,537
baseline
▲ 0.50% · 4.625%
HK$34,253
+HK$1,716/mo
Deposit HK$4.06M · loan HK$6.08M · min. income ≈ HK$65,074/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,373
−HK$2,030/mo
▼ 0.25% · 3.875%
HK$33,380
−HK$1,023/mo
Today · 4.125%
HK$34,403
baseline
▲ 0.50% · 4.625%
HK$36,496
+HK$2,093/mo
Deposit HK$3.04M · loan HK$7.10M · min. income ≈ HK$68,806/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$380,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,015
−HK$1,945/mo
▼ 0.25% · 3.875%
HK$36,980
−HK$980/mo
Today · 4.125%
HK$37,960
baseline
▲ 0.50% · 4.625%
HK$39,961
+HK$2,001/mo
Deposit HK$3.04M · loan HK$7.10M · min. income ≈ HK$75,920/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$380,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,622
−HK$2,610/mo
▼ 0.25% · 3.875%
HK$42,917
−HK$1,315/mo
Today · 4.125%
HK$44,232
baseline
▲ 0.50% · 4.625%
HK$46,924
+HK$2,692/mo
Deposit HK$1.01M · loan HK$9.13M · min. income ≈ HK$88,464/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$380,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,304
−HK$2,502/mo
▼ 0.25% · 3.875%
HK$47,546
−HK$1,260/mo
Today · 4.125%
HK$48,806
baseline
▲ 0.50% · 4.625%
HK$51,379
+HK$2,573/mo
Deposit HK$1.01M · loan HK$9.13M · min. income ≈ HK$97,612/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$380,279 · Scale 2, in force from 26 Feb 2026)