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$23,231
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$23,953
−HK$734/mo
Today · 4.125%
HK$24,687
baseline
▲ 0.50% · 4.625%
HK$26,190
+HK$1,503/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$49,374/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$382,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,844
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$26,537
−HK$703/mo
Today · 4.125%
HK$27,240
baseline
▲ 0.50% · 4.625%
HK$28,676
+HK$1,436/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$54,480/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$382,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,877
−HK$1,748/mo
▼ 0.25% · 3.875%
HK$28,744
−HK$881/mo
Today · 4.125%
HK$29,625
baseline
▲ 0.50% · 4.625%
HK$31,428
+HK$1,803/mo
Deposit HK$4.08M · loan HK$6.11M · min. income ≈ HK$59,250/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,013
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$31,844
−HK$844/mo
Today · 4.125%
HK$32,688
baseline
▲ 0.50% · 4.625%
HK$34,411
+HK$1,723/mo
Deposit HK$4.08M · loan HK$6.11M · min. income ≈ HK$65,376/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,523
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$33,535
−HK$1,027/mo
Today · 4.125%
HK$34,562
baseline
▲ 0.50% · 4.625%
HK$36,666
+HK$2,104/mo
Deposit HK$3.06M · loan HK$7.13M · min. income ≈ HK$69,124/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,182
−HK$1,954/mo
▼ 0.25% · 3.875%
HK$37,152
−HK$984/mo
Today · 4.125%
HK$38,136
baseline
▲ 0.50% · 4.625%
HK$40,146
+HK$2,010/mo
Deposit HK$3.06M · loan HK$7.13M · min. income ≈ HK$76,272/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,815
−HK$2,622/mo
▼ 0.25% · 3.875%
HK$43,116
−HK$1,321/mo
Today · 4.125%
HK$44,437
baseline
▲ 0.50% · 4.625%
HK$47,141
+HK$2,704/mo
Deposit HK$1.02M · loan HK$9.17M · min. income ≈ HK$88,874/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,519
−HK$2,513/mo
▼ 0.25% · 3.875%
HK$47,767
−HK$1,265/mo
Today · 4.125%
HK$49,032
baseline
▲ 0.50% · 4.625%
HK$51,617
+HK$2,585/mo
Deposit HK$1.02M · loan HK$9.17M · min. income ≈ HK$98,064/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,042 · Scale 2, in force from 26 Feb 2026)