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$23,133
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$23,853
−HK$731/mo
Today · 4.125%
HK$24,584
baseline
▲ 0.50% · 4.625%
HK$26,079
+HK$1,495/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$49,168/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$380,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,735
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$26,425
−HK$701/mo
Today · 4.125%
HK$27,126
baseline
▲ 0.50% · 4.625%
HK$28,555
+HK$1,429/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$54,252/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$380,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,760
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$28,623
−HK$877/mo
Today · 4.125%
HK$29,500
baseline
▲ 0.50% · 4.625%
HK$31,295
+HK$1,795/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$59,000/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,882
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$31,710
−HK$841/mo
Today · 4.125%
HK$32,551
baseline
▲ 0.50% · 4.625%
HK$34,266
+HK$1,715/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$65,102/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,386
−HK$2,031/mo
▼ 0.25% · 3.875%
HK$33,394
−HK$1,023/mo
Today · 4.125%
HK$34,417
baseline
▲ 0.50% · 4.625%
HK$36,511
+HK$2,094/mo
Deposit HK$3.04M · loan HK$7.10M · min. income ≈ HK$68,834/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$380,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,029
−HK$1,947/mo
▼ 0.25% · 3.875%
HK$36,996
−HK$980/mo
Today · 4.125%
HK$37,976
baseline
▲ 0.50% · 4.625%
HK$39,978
+HK$2,002/mo
Deposit HK$3.04M · loan HK$7.10M · min. income ≈ HK$75,952/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$380,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,639
−HK$2,611/mo
▼ 0.25% · 3.875%
HK$42,935
−HK$1,315/mo
Today · 4.125%
HK$44,250
baseline
▲ 0.50% · 4.625%
HK$46,943
+HK$2,693/mo
Deposit HK$1.01M · loan HK$9.13M · min. income ≈ HK$88,500/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$380,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,323
−HK$2,503/mo
▼ 0.25% · 3.875%
HK$47,566
−HK$1,260/mo
Today · 4.125%
HK$48,826
baseline
▲ 0.50% · 4.625%
HK$51,400
+HK$2,574/mo
Deposit HK$1.01M · loan HK$9.13M · min. income ≈ HK$97,652/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$380,434 · Scale 2, in force from 26 Feb 2026)