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$23,154
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$23,874
−HK$732/mo
Today · 4.125%
HK$24,606
baseline
▲ 0.50% · 4.625%
HK$26,103
+HK$1,497/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$49,212/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$380,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,758
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$26,449
−HK$701/mo
Today · 4.125%
HK$27,150
baseline
▲ 0.50% · 4.625%
HK$28,581
+HK$1,431/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$54,300/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$380,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,784
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$28,649
−HK$878/mo
Today · 4.125%
HK$29,527
baseline
▲ 0.50% · 4.625%
HK$31,323
+HK$1,796/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$59,054/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,910
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$31,739
−HK$841/mo
Today · 4.125%
HK$32,580
baseline
▲ 0.50% · 4.625%
HK$34,297
+HK$1,717/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$65,160/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,415
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$33,423
−HK$1,025/mo
Today · 4.125%
HK$34,448
baseline
▲ 0.50% · 4.625%
HK$36,544
+HK$2,096/mo
Deposit HK$3.05M · loan HK$7.11M · min. income ≈ HK$68,896/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$380,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,061
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$37,029
−HK$981/mo
Today · 4.125%
HK$38,010
baseline
▲ 0.50% · 4.625%
HK$40,013
+HK$2,003/mo
Deposit HK$3.05M · loan HK$7.11M · min. income ≈ HK$76,020/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$380,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,677
−HK$2,613/mo
▼ 0.25% · 3.875%
HK$42,973
−HK$1,317/mo
Today · 4.125%
HK$44,290
baseline
▲ 0.50% · 4.625%
HK$46,985
+HK$2,695/mo
Deposit HK$1.02M · loan HK$9.14M · min. income ≈ HK$88,580/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$380,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,365
−HK$2,505/mo
▼ 0.25% · 3.875%
HK$47,608
−HK$1,262/mo
Today · 4.125%
HK$48,870
baseline
▲ 0.50% · 4.625%
HK$51,446
+HK$2,576/mo
Deposit HK$1.02M · loan HK$9.14M · min. income ≈ HK$97,740/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$380,774 · Scale 2, in force from 26 Feb 2026)