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$23,107
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$23,826
−HK$730/mo
Today · 4.125%
HK$24,556
baseline
▲ 0.50% · 4.625%
HK$26,050
+HK$1,494/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$49,112/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$380,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,707
−HK$1,388/mo
▼ 0.25% · 3.875%
HK$26,396
−HK$699/mo
Today · 4.125%
HK$27,095
baseline
▲ 0.50% · 4.625%
HK$28,524
+HK$1,429/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$54,190/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$380,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,729
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$28,591
−HK$876/mo
Today · 4.125%
HK$29,467
baseline
▲ 0.50% · 4.625%
HK$31,260
+HK$1,793/mo
Deposit HK$4.05M · loan HK$6.08M · min. income ≈ HK$58,934/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$380,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,848
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$31,675
−HK$839/mo
Today · 4.125%
HK$32,514
baseline
▲ 0.50% · 4.625%
HK$34,228
+HK$1,714/mo
Deposit HK$4.05M · loan HK$6.08M · min. income ≈ HK$65,028/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$380,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,350
−HK$2,029/mo
▼ 0.25% · 3.875%
HK$33,356
−HK$1,023/mo
Today · 4.125%
HK$34,379
baseline
▲ 0.50% · 4.625%
HK$36,471
+HK$2,092/mo
Deposit HK$3.04M · loan HK$7.09M · min. income ≈ HK$68,758/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$380,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,989
−HK$1,945/mo
▼ 0.25% · 3.875%
HK$36,954
−HK$980/mo
Today · 4.125%
HK$37,934
baseline
▲ 0.50% · 4.625%
HK$39,933
+HK$1,999/mo
Deposit HK$3.04M · loan HK$7.09M · min. income ≈ HK$75,868/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$380,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,593
−HK$2,608/mo
▼ 0.25% · 3.875%
HK$42,887
−HK$1,314/mo
Today · 4.125%
HK$44,201
baseline
▲ 0.50% · 4.625%
HK$46,891
+HK$2,690/mo
Deposit HK$1.01M · loan HK$9.12M · min. income ≈ HK$88,402/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$380,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,272
−HK$2,500/mo
▼ 0.25% · 3.875%
HK$47,513
−HK$1,259/mo
Today · 4.125%
HK$48,772
baseline
▲ 0.50% · 4.625%
HK$51,342
+HK$2,570/mo
Deposit HK$1.01M · loan HK$9.12M · min. income ≈ HK$97,544/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$380,010 · Scale 2, in force from 26 Feb 2026)