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$23,099
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$23,818
−HK$730/mo
Today · 4.125%
HK$24,548
baseline
▲ 0.50% · 4.625%
HK$26,042
+HK$1,494/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$49,096/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$379,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,698
−HK$1,388/mo
▼ 0.25% · 3.875%
HK$26,387
−HK$699/mo
Today · 4.125%
HK$27,086
baseline
▲ 0.50% · 4.625%
HK$28,514
+HK$1,428/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$54,172/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$379,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,719
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$28,581
−HK$876/mo
Today · 4.125%
HK$29,457
baseline
▲ 0.50% · 4.625%
HK$31,250
+HK$1,793/mo
Deposit HK$4.05M · loan HK$6.08M · min. income ≈ HK$58,914/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$379,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,837
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$31,664
−HK$839/mo
Today · 4.125%
HK$32,503
baseline
▲ 0.50% · 4.625%
HK$34,217
+HK$1,714/mo
Deposit HK$4.05M · loan HK$6.08M · min. income ≈ HK$65,006/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$379,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,339
−HK$2,028/mo
▼ 0.25% · 3.875%
HK$33,345
−HK$1,022/mo
Today · 4.125%
HK$34,367
baseline
▲ 0.50% · 4.625%
HK$36,458
+HK$2,091/mo
Deposit HK$3.04M · loan HK$7.09M · min. income ≈ HK$68,734/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$379,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,977
−HK$1,944/mo
▼ 0.25% · 3.875%
HK$36,942
−HK$979/mo
Today · 4.125%
HK$37,921
baseline
▲ 0.50% · 4.625%
HK$39,919
+HK$1,998/mo
Deposit HK$3.04M · loan HK$7.09M · min. income ≈ HK$75,842/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$379,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,579
−HK$2,607/mo
▼ 0.25% · 3.875%
HK$42,872
−HK$1,314/mo
Today · 4.125%
HK$44,186
baseline
▲ 0.50% · 4.625%
HK$46,875
+HK$2,689/mo
Deposit HK$1.01M · loan HK$9.12M · min. income ≈ HK$88,372/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,256
−HK$2,499/mo
▼ 0.25% · 3.875%
HK$47,497
−HK$1,258/mo
Today · 4.125%
HK$48,755
baseline
▲ 0.50% · 4.625%
HK$51,325
+HK$2,570/mo
Deposit HK$1.01M · loan HK$9.12M · min. income ≈ HK$97,510/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,881 · Scale 2, in force from 26 Feb 2026)