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$23,073
−HK$1,447/mo
▼ 0.25% · 3.875%
HK$23,791
−HK$729/mo
Today · 4.125%
HK$24,520
baseline
▲ 0.50% · 4.625%
HK$26,012
+HK$1,492/mo
Deposit HK$5.06M · loan HK$5.06M · min. income ≈ HK$49,040/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$379,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,669
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$26,357
−HK$699/mo
Today · 4.125%
HK$27,056
baseline
▲ 0.50% · 4.625%
HK$28,482
+HK$1,426/mo
Deposit HK$5.06M · loan HK$5.06M · min. income ≈ HK$54,112/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$379,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,688
−HK$1,736/mo
▼ 0.25% · 3.875%
HK$28,549
−HK$875/mo
Today · 4.125%
HK$29,424
baseline
▲ 0.50% · 4.625%
HK$31,215
+HK$1,791/mo
Deposit HK$4.05M · loan HK$6.07M · min. income ≈ HK$58,848/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$379,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,803
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$31,629
−HK$838/mo
Today · 4.125%
HK$32,467
baseline
▲ 0.50% · 4.625%
HK$34,178
+HK$1,711/mo
Deposit HK$4.05M · loan HK$6.07M · min. income ≈ HK$64,934/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$379,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,303
−HK$2,026/mo
▼ 0.25% · 3.875%
HK$33,308
−HK$1,021/mo
Today · 4.125%
HK$34,329
baseline
▲ 0.50% · 4.625%
HK$36,417
+HK$2,088/mo
Deposit HK$3.04M · loan HK$7.08M · min. income ≈ HK$68,658/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$379,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,937
−HK$1,941/mo
▼ 0.25% · 3.875%
HK$36,900
−HK$978/mo
Today · 4.125%
HK$37,878
baseline
▲ 0.50% · 4.625%
HK$39,875
+HK$1,997/mo
Deposit HK$3.04M · loan HK$7.08M · min. income ≈ HK$75,756/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$379,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,532
−HK$2,605/mo
▼ 0.25% · 3.875%
HK$42,824
−HK$1,313/mo
Today · 4.125%
HK$44,137
baseline
▲ 0.50% · 4.625%
HK$46,822
+HK$2,685/mo
Deposit HK$1.01M · loan HK$9.11M · min. income ≈ HK$88,274/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,204
−HK$2,497/mo
▼ 0.25% · 3.875%
HK$47,443
−HK$1,258/mo
Today · 4.125%
HK$48,701
baseline
▲ 0.50% · 4.625%
HK$51,268
+HK$2,567/mo
Deposit HK$1.01M · loan HK$9.11M · min. income ≈ HK$97,402/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,456 · Scale 2, in force from 26 Feb 2026)