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$1,452/mo
▼ 0.25% · 3.875%
HK$23,865
−HK$732/mo
Today · 4.125%
HK$24,597
baseline
▲ 0.50% · 4.625%
HK$26,093
+HK$1,496/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$49,194/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$380,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,749
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$26,440
−HK$700/mo
Today · 4.125%
HK$27,140
baseline
▲ 0.50% · 4.625%
HK$28,571
+HK$1,431/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$380,637 · 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$31,312
+HK$1,796/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$380,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,899
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$31,727
−HK$841/mo
Today · 4.125%
HK$32,568
baseline
▲ 0.50% · 4.625%
HK$34,285
+HK$1,717/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$65,136/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,637 · 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$36,531
+HK$2,096/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$380,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,049
−HK$1,947/mo
▼ 0.25% · 3.875%
HK$37,015
−HK$981/mo
Today · 4.125%
HK$37,996
baseline
▲ 0.50% · 4.625%
HK$39,999
+HK$2,003/mo
Deposit HK$3.05M · loan HK$7.11M · min. income ≈ HK$75,992/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$380,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,662
−HK$2,612/mo
▼ 0.25% · 3.875%
HK$42,957
−HK$1,317/mo
Today · 4.125%
HK$44,274
baseline
▲ 0.50% · 4.625%
HK$46,968
+HK$2,694/mo
Deposit HK$1.02M · loan HK$9.14M · min. income ≈ HK$88,548/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$380,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,348
−HK$2,504/mo
▼ 0.25% · 3.875%
HK$47,591
−HK$1,261/mo
Today · 4.125%
HK$48,852
baseline
▲ 0.50% · 4.625%
HK$51,427
+HK$2,575/mo
Deposit HK$1.02M · loan HK$9.14M · min. income ≈ HK$97,704/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$380,637 · Scale 2, in force from 26 Feb 2026)