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$23,178
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$23,899
−HK$732/mo
Today · 4.125%
HK$24,631
baseline
▲ 0.50% · 4.625%
HK$26,130
+HK$1,499/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$49,262/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$381,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,785
−HK$1,393/mo
▼ 0.25% · 3.875%
HK$26,476
−HK$702/mo
Today · 4.125%
HK$27,178
baseline
▲ 0.50% · 4.625%
HK$28,610
+HK$1,432/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$54,356/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$381,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,813
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$28,678
−HK$879/mo
Today · 4.125%
HK$29,557
baseline
▲ 0.50% · 4.625%
HK$31,356
+HK$1,799/mo
Deposit HK$4.07M · loan HK$6.10M · min. income ≈ HK$59,114/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,942
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$31,772
−HK$841/mo
Today · 4.125%
HK$32,613
baseline
▲ 0.50% · 4.625%
HK$34,333
+HK$1,720/mo
Deposit HK$4.07M · loan HK$6.10M · min. income ≈ HK$65,226/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,449
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$33,458
−HK$1,025/mo
Today · 4.125%
HK$34,483
baseline
▲ 0.50% · 4.625%
HK$36,582
+HK$2,099/mo
Deposit HK$3.05M · loan HK$7.12M · min. income ≈ HK$68,966/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$381,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,099
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$37,067
−HK$982/mo
Today · 4.125%
HK$38,049
baseline
▲ 0.50% · 4.625%
HK$40,055
+HK$2,006/mo
Deposit HK$3.05M · loan HK$7.12M · min. income ≈ HK$76,098/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$381,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,720
−HK$2,616/mo
▼ 0.25% · 3.875%
HK$43,017
−HK$1,319/mo
Today · 4.125%
HK$44,336
baseline
▲ 0.50% · 4.625%
HK$47,034
+HK$2,698/mo
Deposit HK$1.02M · loan HK$9.15M · min. income ≈ HK$88,672/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,413
−HK$2,507/mo
▼ 0.25% · 3.875%
HK$47,657
−HK$1,263/mo
Today · 4.125%
HK$48,920
baseline
▲ 0.50% · 4.625%
HK$51,499
+HK$2,579/mo
Deposit HK$1.02M · loan HK$9.15M · min. income ≈ HK$97,840/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,168 · Scale 2, in force from 26 Feb 2026)