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$23,132
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$23,852
−HK$731/mo
Today · 4.125%
HK$24,583
baseline
▲ 0.50% · 4.625%
HK$26,079
+HK$1,496/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$49,166/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$380,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,734
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$26,425
−HK$700/mo
Today · 4.125%
HK$27,125
baseline
▲ 0.50% · 4.625%
HK$28,555
+HK$1,430/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$54,250/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$380,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,759
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$28,622
−HK$877/mo
Today · 4.125%
HK$29,499
baseline
▲ 0.50% · 4.625%
HK$31,294
+HK$1,795/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$58,998/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,881
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$31,709
−HK$841/mo
Today · 4.125%
HK$32,550
baseline
▲ 0.50% · 4.625%
HK$34,265
+HK$1,715/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$65,100/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,385
−HK$2,031/mo
▼ 0.25% · 3.875%
HK$33,392
−HK$1,024/mo
Today · 4.125%
HK$34,416
baseline
▲ 0.50% · 4.625%
HK$36,510
+HK$2,094/mo
Deposit HK$3.04M · loan HK$7.10M · min. income ≈ HK$68,832/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$380,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,028
−HK$1,947/mo
▼ 0.25% · 3.875%
HK$36,994
−HK$981/mo
Today · 4.125%
HK$37,975
baseline
▲ 0.50% · 4.625%
HK$39,976
+HK$2,001/mo
Deposit HK$3.04M · loan HK$7.10M · min. income ≈ HK$75,950/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$380,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,638
−HK$2,611/mo
▼ 0.25% · 3.875%
HK$42,933
−HK$1,316/mo
Today · 4.125%
HK$44,249
baseline
▲ 0.50% · 4.625%
HK$46,942
+HK$2,693/mo
Deposit HK$1.01M · loan HK$9.13M · min. income ≈ HK$88,498/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$380,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,322
−HK$2,503/mo
▼ 0.25% · 3.875%
HK$47,564
−HK$1,261/mo
Today · 4.125%
HK$48,825
baseline
▲ 0.50% · 4.625%
HK$51,398
+HK$2,573/mo
Deposit HK$1.01M · loan HK$9.13M · min. income ≈ HK$97,650/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$380,422 · Scale 2, in force from 26 Feb 2026)