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$23,059
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$23,777
−HK$728/mo
Today · 4.125%
HK$24,505
baseline
▲ 0.50% · 4.625%
HK$25,997
+HK$1,492/mo
Deposit HK$5.06M · loan HK$5.06M · min. income ≈ HK$49,010/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$379,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,653
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$26,341
−HK$698/mo
Today · 4.125%
HK$27,039
baseline
▲ 0.50% · 4.625%
HK$28,465
+HK$1,426/mo
Deposit HK$5.06M · loan HK$5.06M · min. income ≈ HK$54,078/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$379,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,671
−HK$1,736/mo
▼ 0.25% · 3.875%
HK$28,532
−HK$875/mo
Today · 4.125%
HK$29,407
baseline
▲ 0.50% · 4.625%
HK$31,196
+HK$1,789/mo
Deposit HK$4.05M · loan HK$6.07M · min. income ≈ HK$58,814/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$379,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,784
−HK$1,663/mo
▼ 0.25% · 3.875%
HK$31,610
−HK$837/mo
Today · 4.125%
HK$32,447
baseline
▲ 0.50% · 4.625%
HK$34,158
+HK$1,711/mo
Deposit HK$4.05M · loan HK$6.07M · min. income ≈ HK$64,894/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$379,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,283
−HK$2,025/mo
▼ 0.25% · 3.875%
HK$33,287
−HK$1,021/mo
Today · 4.125%
HK$34,308
baseline
▲ 0.50% · 4.625%
HK$36,395
+HK$2,087/mo
Deposit HK$3.03M · loan HK$7.08M · min. income ≈ HK$68,616/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$379,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,915
−HK$1,940/mo
▼ 0.25% · 3.875%
HK$36,878
−HK$977/mo
Today · 4.125%
HK$37,855
baseline
▲ 0.50% · 4.625%
HK$39,851
+HK$1,996/mo
Deposit HK$3.03M · loan HK$7.08M · min. income ≈ HK$75,710/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$379,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,507
−HK$2,603/mo
▼ 0.25% · 3.875%
HK$42,798
−HK$1,312/mo
Today · 4.125%
HK$44,110
baseline
▲ 0.50% · 4.625%
HK$46,794
+HK$2,684/mo
Deposit HK$1.01M · loan HK$9.10M · min. income ≈ HK$88,220/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,176
−HK$2,495/mo
▼ 0.25% · 3.875%
HK$47,415
−HK$1,256/mo
Today · 4.125%
HK$48,671
baseline
▲ 0.50% · 4.625%
HK$51,236
+HK$2,565/mo
Deposit HK$1.01M · loan HK$9.10M · min. income ≈ HK$97,342/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,225 · Scale 2, in force from 26 Feb 2026)