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$23,143
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$23,863
−HK$731/mo
Today · 4.125%
HK$24,594
baseline
▲ 0.50% · 4.625%
HK$26,090
+HK$1,496/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$49,188/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$380,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,746
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$26,437
−HK$700/mo
Today · 4.125%
HK$27,137
baseline
▲ 0.50% · 4.625%
HK$28,567
+HK$1,430/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$54,274/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$380,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,771
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$28,635
−HK$878/mo
Today · 4.125%
HK$29,513
baseline
▲ 0.50% · 4.625%
HK$31,309
+HK$1,796/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$59,026/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,895
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$31,724
−HK$840/mo
Today · 4.125%
HK$32,564
baseline
▲ 0.50% · 4.625%
HK$34,281
+HK$1,717/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$65,128/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,400
−HK$2,032/mo
▼ 0.25% · 3.875%
HK$33,408
−HK$1,024/mo
Today · 4.125%
HK$34,432
baseline
▲ 0.50% · 4.625%
HK$36,527
+HK$2,095/mo
Deposit HK$3.04M · loan HK$7.10M · min. income ≈ HK$68,864/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$380,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,044
−HK$1,948/mo
▼ 0.25% · 3.875%
HK$37,011
−HK$981/mo
Today · 4.125%
HK$37,992
baseline
▲ 0.50% · 4.625%
HK$39,994
+HK$2,002/mo
Deposit HK$3.04M · loan HK$7.10M · min. income ≈ HK$75,984/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$380,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,657
−HK$2,612/mo
▼ 0.25% · 3.875%
HK$42,953
−HK$1,316/mo
Today · 4.125%
HK$44,269
baseline
▲ 0.50% · 4.625%
HK$46,963
+HK$2,694/mo
Deposit HK$1.01M · loan HK$9.13M · min. income ≈ HK$88,538/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$380,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,343
−HK$2,504/mo
▼ 0.25% · 3.875%
HK$47,586
−HK$1,261/mo
Today · 4.125%
HK$48,847
baseline
▲ 0.50% · 4.625%
HK$51,421
+HK$2,574/mo
Deposit HK$1.01M · loan HK$9.13M · min. income ≈ HK$97,694/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$380,595 · Scale 2, in force from 26 Feb 2026)