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$23,128
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$23,847
−HK$731/mo
Today · 4.125%
HK$24,578
baseline
▲ 0.50% · 4.625%
HK$26,074
+HK$1,496/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$49,156/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$380,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,729
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$26,420
−HK$700/mo
Today · 4.125%
HK$27,120
baseline
▲ 0.50% · 4.625%
HK$28,549
+HK$1,429/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$54,240/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$380,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,753
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$28,617
−HK$877/mo
Today · 4.125%
HK$29,494
baseline
▲ 0.50% · 4.625%
HK$31,288
+HK$1,794/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$58,988/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,875
−HK$1,668/mo
▼ 0.25% · 3.875%
HK$31,703
−HK$840/mo
Today · 4.125%
HK$32,543
baseline
▲ 0.50% · 4.625%
HK$34,259
+HK$1,716/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$65,086/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,379
−HK$2,030/mo
▼ 0.25% · 3.875%
HK$33,386
−HK$1,023/mo
Today · 4.125%
HK$34,409
baseline
▲ 0.50% · 4.625%
HK$36,503
+HK$2,094/mo
Deposit HK$3.04M · loan HK$7.10M · min. income ≈ HK$68,818/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$380,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,021
−HK$1,946/mo
▼ 0.25% · 3.875%
HK$36,987
−HK$980/mo
Today · 4.125%
HK$37,967
baseline
▲ 0.50% · 4.625%
HK$39,969
+HK$2,002/mo
Deposit HK$3.04M · loan HK$7.10M · min. income ≈ HK$75,934/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$380,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,630
−HK$2,611/mo
▼ 0.25% · 3.875%
HK$42,925
−HK$1,316/mo
Today · 4.125%
HK$44,241
baseline
▲ 0.50% · 4.625%
HK$46,933
+HK$2,692/mo
Deposit HK$1.01M · loan HK$9.13M · min. income ≈ HK$88,482/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$380,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,313
−HK$2,502/mo
▼ 0.25% · 3.875%
HK$47,555
−HK$1,260/mo
Today · 4.125%
HK$48,815
baseline
▲ 0.50% · 4.625%
HK$51,388
+HK$2,573/mo
Deposit HK$1.01M · loan HK$9.13M · min. income ≈ HK$97,630/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$380,349 · Scale 2, in force from 26 Feb 2026)