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$23,149
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$23,869
−HK$732/mo
Today · 4.125%
HK$24,601
baseline
▲ 0.50% · 4.625%
HK$26,097
+HK$1,496/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$49,202/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$380,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,753
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$26,444
−HK$700/mo
Today · 4.125%
HK$27,144
baseline
▲ 0.50% · 4.625%
HK$28,575
+HK$1,431/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$54,288/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$380,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,779
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$28,643
−HK$878/mo
Today · 4.125%
HK$29,521
baseline
▲ 0.50% · 4.625%
HK$31,317
+HK$1,796/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$59,042/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,904
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$31,732
−HK$841/mo
Today · 4.125%
HK$32,573
baseline
▲ 0.50% · 4.625%
HK$34,290
+HK$1,717/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$65,146/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,408
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$33,417
−HK$1,024/mo
Today · 4.125%
HK$34,441
baseline
▲ 0.50% · 4.625%
HK$36,536
+HK$2,095/mo
Deposit HK$3.05M · loan HK$7.11M · min. income ≈ HK$68,882/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$380,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,054
−HK$1,948/mo
▼ 0.25% · 3.875%
HK$37,021
−HK$981/mo
Today · 4.125%
HK$38,002
baseline
▲ 0.50% · 4.625%
HK$40,005
+HK$2,003/mo
Deposit HK$3.05M · loan HK$7.11M · min. income ≈ HK$76,004/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$380,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,668
−HK$2,613/mo
▼ 0.25% · 3.875%
HK$42,964
−HK$1,317/mo
Today · 4.125%
HK$44,281
baseline
▲ 0.50% · 4.625%
HK$46,975
+HK$2,694/mo
Deposit HK$1.02M · loan HK$9.14M · min. income ≈ HK$88,562/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$380,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,355
−HK$2,505/mo
▼ 0.25% · 3.875%
HK$47,598
−HK$1,262/mo
Today · 4.125%
HK$48,860
baseline
▲ 0.50% · 4.625%
HK$51,435
+HK$2,575/mo
Deposit HK$1.02M · loan HK$9.14M · min. income ≈ HK$97,720/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$380,696 · Scale 2, in force from 26 Feb 2026)