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$23,145
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$23,865
−HK$731/mo
Today · 4.125%
HK$24,596
baseline
▲ 0.50% · 4.625%
HK$26,093
+HK$1,497/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$49,192/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$380,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,748
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$26,439
−HK$701/mo
Today · 4.125%
HK$27,140
baseline
▲ 0.50% · 4.625%
HK$28,570
+HK$1,430/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$54,280/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$380,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,774
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$28,638
−HK$878/mo
Today · 4.125%
HK$29,516
baseline
▲ 0.50% · 4.625%
HK$31,311
+HK$1,795/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$59,032/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,898
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$31,727
−HK$840/mo
Today · 4.125%
HK$32,567
baseline
▲ 0.50% · 4.625%
HK$34,284
+HK$1,717/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$65,134/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,403
−HK$2,032/mo
▼ 0.25% · 3.875%
HK$33,411
−HK$1,024/mo
Today · 4.125%
HK$34,435
baseline
▲ 0.50% · 4.625%
HK$36,530
+HK$2,095/mo
Deposit HK$3.05M · loan HK$7.11M · min. income ≈ HK$68,870/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$380,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,048
−HK$1,947/mo
▼ 0.25% · 3.875%
HK$37,015
−HK$980/mo
Today · 4.125%
HK$37,995
baseline
▲ 0.50% · 4.625%
HK$39,998
+HK$2,003/mo
Deposit HK$3.05M · loan HK$7.11M · min. income ≈ HK$75,990/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$380,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,661
−HK$2,612/mo
▼ 0.25% · 3.875%
HK$42,957
−HK$1,316/mo
Today · 4.125%
HK$44,273
baseline
▲ 0.50% · 4.625%
HK$46,967
+HK$2,694/mo
Deposit HK$1.02M · loan HK$9.14M · min. income ≈ HK$88,546/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$380,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,347
−HK$2,504/mo
▼ 0.25% · 3.875%
HK$47,590
−HK$1,261/mo
Today · 4.125%
HK$48,851
baseline
▲ 0.50% · 4.625%
HK$51,426
+HK$2,575/mo
Deposit HK$1.02M · loan HK$9.14M · min. income ≈ HK$97,702/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$380,630 · Scale 2, in force from 26 Feb 2026)