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$23,186
−HK$1,454/mo
▼ 0.25% · 3.875%
HK$23,907
−HK$733/mo
Today · 4.125%
HK$24,640
baseline
▲ 0.50% · 4.625%
HK$26,139
+HK$1,499/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$49,280/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$381,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,794
−HK$1,393/mo
▼ 0.25% · 3.875%
HK$26,485
−HK$702/mo
Today · 4.125%
HK$27,187
baseline
▲ 0.50% · 4.625%
HK$28,620
+HK$1,433/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$54,374/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$381,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,823
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$28,688
−HK$879/mo
Today · 4.125%
HK$29,567
baseline
▲ 0.50% · 4.625%
HK$31,367
+HK$1,800/mo
Deposit HK$4.07M · loan HK$6.10M · min. income ≈ HK$59,134/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,952
−HK$1,673/mo
▼ 0.25% · 3.875%
HK$31,783
−HK$842/mo
Today · 4.125%
HK$32,625
baseline
▲ 0.50% · 4.625%
HK$34,344
+HK$1,719/mo
Deposit HK$4.07M · loan HK$6.10M · min. income ≈ HK$65,250/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,460
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$33,469
−HK$1,026/mo
Today · 4.125%
HK$34,495
baseline
▲ 0.50% · 4.625%
HK$36,594
+HK$2,099/mo
Deposit HK$3.05M · loan HK$7.12M · min. income ≈ HK$68,990/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$381,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,111
−HK$1,951/mo
▼ 0.25% · 3.875%
HK$37,080
−HK$982/mo
Today · 4.125%
HK$38,062
baseline
▲ 0.50% · 4.625%
HK$40,068
+HK$2,006/mo
Deposit HK$3.05M · loan HK$7.12M · min. income ≈ HK$76,124/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$381,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,734
−HK$2,617/mo
▼ 0.25% · 3.875%
HK$43,032
−HK$1,319/mo
Today · 4.125%
HK$44,351
baseline
▲ 0.50% · 4.625%
HK$47,050
+HK$2,699/mo
Deposit HK$1.02M · loan HK$9.15M · min. income ≈ HK$88,702/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,429
−HK$2,508/mo
▼ 0.25% · 3.875%
HK$47,674
−HK$1,263/mo
Today · 4.125%
HK$48,937
baseline
▲ 0.50% · 4.625%
HK$51,517
+HK$2,580/mo
Deposit HK$1.02M · loan HK$9.15M · min. income ≈ HK$97,874/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,299 · Scale 2, in force from 26 Feb 2026)