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$23,206
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$23,928
−HK$734/mo
Today · 4.125%
HK$24,662
baseline
▲ 0.50% · 4.625%
HK$26,162
+HK$1,500/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$49,324/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$381,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,817
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$26,509
−HK$703/mo
Today · 4.125%
HK$27,212
baseline
▲ 0.50% · 4.625%
HK$28,646
+HK$1,434/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$54,424/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$381,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,848
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$28,714
−HK$880/mo
Today · 4.125%
HK$29,594
baseline
▲ 0.50% · 4.625%
HK$31,395
+HK$1,801/mo
Deposit HK$4.07M · loan HK$6.11M · min. income ≈ HK$59,188/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,980
−HK$1,674/mo
▼ 0.25% · 3.875%
HK$31,811
−HK$843/mo
Today · 4.125%
HK$32,654
baseline
▲ 0.50% · 4.625%
HK$34,375
+HK$1,721/mo
Deposit HK$4.07M · loan HK$6.11M · min. income ≈ HK$65,308/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,489
−HK$2,037/mo
▼ 0.25% · 3.875%
HK$33,500
−HK$1,026/mo
Today · 4.125%
HK$34,526
baseline
▲ 0.50% · 4.625%
HK$36,627
+HK$2,101/mo
Deposit HK$3.05M · loan HK$7.12M · min. income ≈ HK$69,052/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$381,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,144
−HK$1,953/mo
▼ 0.25% · 3.875%
HK$37,113
−HK$984/mo
Today · 4.125%
HK$38,097
baseline
▲ 0.50% · 4.625%
HK$40,105
+HK$2,008/mo
Deposit HK$3.05M · loan HK$7.12M · min. income ≈ HK$76,194/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$381,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,772
−HK$2,619/mo
▼ 0.25% · 3.875%
HK$43,071
−HK$1,320/mo
Today · 4.125%
HK$44,391
baseline
▲ 0.50% · 4.625%
HK$47,092
+HK$2,701/mo
Deposit HK$1.02M · loan HK$9.16M · min. income ≈ HK$88,782/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,471
−HK$2,510/mo
▼ 0.25% · 3.875%
HK$47,717
−HK$1,264/mo
Today · 4.125%
HK$48,981
baseline
▲ 0.50% · 4.625%
HK$51,563
+HK$2,582/mo
Deposit HK$1.02M · loan HK$9.16M · min. income ≈ HK$97,962/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,643 · Scale 2, in force from 26 Feb 2026)