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$23,143
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$23,863
−HK$732/mo
Today · 4.125%
HK$24,595
baseline
▲ 0.50% · 4.625%
HK$26,091
+HK$1,496/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$49,190/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$380,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,747
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$26,437
−HK$701/mo
Today · 4.125%
HK$27,138
baseline
▲ 0.50% · 4.625%
HK$28,568
+HK$1,430/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$54,276/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$380,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,772
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$28,636
−HK$878/mo
Today · 4.125%
HK$29,514
baseline
▲ 0.50% · 4.625%
HK$31,309
+HK$1,795/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$59,028/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,896
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$31,725
−HK$840/mo
Today · 4.125%
HK$32,565
baseline
▲ 0.50% · 4.625%
HK$34,282
+HK$1,717/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$65,130/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,401
−HK$2,031/mo
▼ 0.25% · 3.875%
HK$33,408
−HK$1,024/mo
Today · 4.125%
HK$34,432
baseline
▲ 0.50% · 4.625%
HK$36,528
+HK$2,096/mo
Deposit HK$3.04M · loan HK$7.10M · min. income ≈ HK$68,864/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$380,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,045
−HK$1,948/mo
▼ 0.25% · 3.875%
HK$37,012
−HK$981/mo
Today · 4.125%
HK$37,993
baseline
▲ 0.50% · 4.625%
HK$39,995
+HK$2,002/mo
Deposit HK$3.04M · loan HK$7.10M · min. income ≈ HK$75,986/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$380,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,658
−HK$2,612/mo
▼ 0.25% · 3.875%
HK$42,954
−HK$1,316/mo
Today · 4.125%
HK$44,270
baseline
▲ 0.50% · 4.625%
HK$46,964
+HK$2,694/mo
Deposit HK$1.01M · loan HK$9.13M · min. income ≈ HK$88,540/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$380,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,344
−HK$2,504/mo
▼ 0.25% · 3.875%
HK$47,587
−HK$1,261/mo
Today · 4.125%
HK$48,848
baseline
▲ 0.50% · 4.625%
HK$51,423
+HK$2,575/mo
Deposit HK$1.01M · loan HK$9.13M · min. income ≈ HK$97,696/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$380,604 · Scale 2, in force from 26 Feb 2026)