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$23,118
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$23,837
−HK$731/mo
Today · 4.125%
HK$24,568
baseline
▲ 0.50% · 4.625%
HK$26,063
+HK$1,495/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$49,136/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$380,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,719
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$26,409
−HK$699/mo
Today · 4.125%
HK$27,108
baseline
▲ 0.50% · 4.625%
HK$28,537
+HK$1,429/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$54,216/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$380,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,742
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$28,605
−HK$877/mo
Today · 4.125%
HK$29,482
baseline
▲ 0.50% · 4.625%
HK$31,275
+HK$1,793/mo
Deposit HK$4.06M · loan HK$6.08M · min. income ≈ HK$58,964/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,863
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$31,690
−HK$840/mo
Today · 4.125%
HK$32,530
baseline
▲ 0.50% · 4.625%
HK$34,245
+HK$1,715/mo
Deposit HK$4.06M · loan HK$6.08M · min. income ≈ HK$65,060/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,366
−HK$2,029/mo
▼ 0.25% · 3.875%
HK$33,372
−HK$1,023/mo
Today · 4.125%
HK$34,395
baseline
▲ 0.50% · 4.625%
HK$36,488
+HK$2,093/mo
Deposit HK$3.04M · loan HK$7.10M · min. income ≈ HK$68,790/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$380,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,006
−HK$1,946/mo
▼ 0.25% · 3.875%
HK$36,972
−HK$980/mo
Today · 4.125%
HK$37,952
baseline
▲ 0.50% · 4.625%
HK$39,952
+HK$2,000/mo
Deposit HK$3.04M · loan HK$7.10M · min. income ≈ HK$75,904/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$380,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,613
−HK$2,609/mo
▼ 0.25% · 3.875%
HK$42,907
−HK$1,315/mo
Today · 4.125%
HK$44,222
baseline
▲ 0.50% · 4.625%
HK$46,913
+HK$2,691/mo
Deposit HK$1.01M · loan HK$9.12M · min. income ≈ HK$88,444/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$380,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,294
−HK$2,501/mo
▼ 0.25% · 3.875%
HK$47,535
−HK$1,260/mo
Today · 4.125%
HK$48,795
baseline
▲ 0.50% · 4.625%
HK$51,367
+HK$2,572/mo
Deposit HK$1.01M · loan HK$9.12M · min. income ≈ HK$97,590/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$380,192 · Scale 2, in force from 26 Feb 2026)