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$23,150
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$23,870
−HK$732/mo
Today · 4.125%
HK$24,602
baseline
▲ 0.50% · 4.625%
HK$26,099
+HK$1,497/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$49,204/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$380,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,755
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$26,445
−HK$701/mo
Today · 4.125%
HK$27,146
baseline
▲ 0.50% · 4.625%
HK$28,577
+HK$1,431/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$54,292/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$380,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,780
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$28,645
−HK$878/mo
Today · 4.125%
HK$29,523
baseline
▲ 0.50% · 4.625%
HK$31,319
+HK$1,796/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$59,046/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,905
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$31,734
−HK$841/mo
Today · 4.125%
HK$32,575
baseline
▲ 0.50% · 4.625%
HK$34,292
+HK$1,717/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$65,150/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,411
−HK$2,032/mo
▼ 0.25% · 3.875%
HK$33,419
−HK$1,024/mo
Today · 4.125%
HK$34,443
baseline
▲ 0.50% · 4.625%
HK$36,539
+HK$2,096/mo
Deposit HK$3.05M · loan HK$7.11M · min. income ≈ HK$68,886/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$380,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,056
−HK$1,948/mo
▼ 0.25% · 3.875%
HK$37,023
−HK$981/mo
Today · 4.125%
HK$38,004
baseline
▲ 0.50% · 4.625%
HK$40,008
+HK$2,004/mo
Deposit HK$3.05M · loan HK$7.11M · min. income ≈ HK$76,008/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$380,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,671
−HK$2,613/mo
▼ 0.25% · 3.875%
HK$42,967
−HK$1,317/mo
Today · 4.125%
HK$44,284
baseline
▲ 0.50% · 4.625%
HK$46,978
+HK$2,694/mo
Deposit HK$1.02M · loan HK$9.14M · min. income ≈ HK$88,568/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$380,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,358
−HK$2,505/mo
▼ 0.25% · 3.875%
HK$47,602
−HK$1,261/mo
Today · 4.125%
HK$48,863
baseline
▲ 0.50% · 4.625%
HK$51,438
+HK$2,575/mo
Deposit HK$1.02M · loan HK$9.14M · min. income ≈ HK$97,726/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$380,721 · Scale 2, in force from 26 Feb 2026)