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$23,183
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$23,904
−HK$732/mo
Today · 4.125%
HK$24,636
baseline
▲ 0.50% · 4.625%
HK$26,136
+HK$1,500/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$49,272/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$381,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,791
−HK$1,393/mo
▼ 0.25% · 3.875%
HK$26,482
−HK$702/mo
Today · 4.125%
HK$27,184
baseline
▲ 0.50% · 4.625%
HK$28,617
+HK$1,433/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$54,368/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$381,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,819
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$28,685
−HK$879/mo
Today · 4.125%
HK$29,564
baseline
▲ 0.50% · 4.625%
HK$31,363
+HK$1,799/mo
Deposit HK$4.07M · loan HK$6.10M · min. income ≈ HK$59,128/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,949
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$31,779
−HK$842/mo
Today · 4.125%
HK$32,621
baseline
▲ 0.50% · 4.625%
HK$34,340
+HK$1,719/mo
Deposit HK$4.07M · loan HK$6.10M · min. income ≈ HK$65,242/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,456
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$33,465
−HK$1,026/mo
Today · 4.125%
HK$34,491
baseline
▲ 0.50% · 4.625%
HK$36,590
+HK$2,099/mo
Deposit HK$3.05M · loan HK$7.12M · min. income ≈ HK$68,982/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$381,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,107
−HK$1,951/mo
▼ 0.25% · 3.875%
HK$37,075
−HK$983/mo
Today · 4.125%
HK$38,058
baseline
▲ 0.50% · 4.625%
HK$40,064
+HK$2,006/mo
Deposit HK$3.05M · loan HK$7.12M · min. income ≈ HK$76,116/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$381,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,729
−HK$2,617/mo
▼ 0.25% · 3.875%
HK$43,027
−HK$1,319/mo
Today · 4.125%
HK$44,346
baseline
▲ 0.50% · 4.625%
HK$47,044
+HK$2,698/mo
Deposit HK$1.02M · loan HK$9.15M · min. income ≈ HK$88,692/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,423
−HK$2,508/mo
▼ 0.25% · 3.875%
HK$47,668
−HK$1,263/mo
Today · 4.125%
HK$48,931
baseline
▲ 0.50% · 4.625%
HK$51,510
+HK$2,579/mo
Deposit HK$1.02M · loan HK$9.15M · min. income ≈ HK$97,862/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,252 · Scale 2, in force from 26 Feb 2026)