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$23,088
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$23,806
−HK$730/mo
Today · 4.125%
HK$24,536
baseline
▲ 0.50% · 4.625%
HK$26,029
+HK$1,493/mo
Deposit HK$5.06M · loan HK$5.06M · min. income ≈ HK$49,072/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$379,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,685
−HK$1,388/mo
▼ 0.25% · 3.875%
HK$26,374
−HK$699/mo
Today · 4.125%
HK$27,073
baseline
▲ 0.50% · 4.625%
HK$28,500
+HK$1,427/mo
Deposit HK$5.06M · loan HK$5.06M · min. income ≈ HK$54,146/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$379,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,705
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$28,567
−HK$876/mo
Today · 4.125%
HK$29,443
baseline
▲ 0.50% · 4.625%
HK$31,234
+HK$1,791/mo
Deposit HK$4.05M · loan HK$6.08M · min. income ≈ HK$58,886/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$379,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,822
−HK$1,665/mo
▼ 0.25% · 3.875%
HK$31,649
−HK$838/mo
Today · 4.125%
HK$32,487
baseline
▲ 0.50% · 4.625%
HK$34,200
+HK$1,713/mo
Deposit HK$4.05M · loan HK$6.08M · min. income ≈ HK$64,974/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$379,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,323
−HK$2,027/mo
▼ 0.25% · 3.875%
HK$33,328
−HK$1,022/mo
Today · 4.125%
HK$34,350
baseline
▲ 0.50% · 4.625%
HK$36,440
+HK$2,090/mo
Deposit HK$3.04M · loan HK$7.09M · min. income ≈ HK$68,700/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$379,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,959
−HK$1,943/mo
▼ 0.25% · 3.875%
HK$36,923
−HK$979/mo
Today · 4.125%
HK$37,902
baseline
▲ 0.50% · 4.625%
HK$39,899
+HK$1,997/mo
Deposit HK$3.04M · loan HK$7.09M · min. income ≈ HK$75,804/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$379,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,558
−HK$2,606/mo
▼ 0.25% · 3.875%
HK$42,851
−HK$1,313/mo
Today · 4.125%
HK$44,164
baseline
▲ 0.50% · 4.625%
HK$46,851
+HK$2,687/mo
Deposit HK$1.01M · loan HK$9.11M · min. income ≈ HK$88,328/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,233
−HK$2,498/mo
▼ 0.25% · 3.875%
HK$47,473
−HK$1,258/mo
Today · 4.125%
HK$48,731
baseline
▲ 0.50% · 4.625%
HK$51,299
+HK$2,568/mo
Deposit HK$1.01M · loan HK$9.11M · min. income ≈ HK$97,462/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,691 · Scale 2, in force from 26 Feb 2026)