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$23,114
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$23,833
−HK$731/mo
Today · 4.125%
HK$24,564
baseline
▲ 0.50% · 4.625%
HK$26,058
+HK$1,494/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$49,128/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$380,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,714
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$26,404
−HK$700/mo
Today · 4.125%
HK$27,104
baseline
▲ 0.50% · 4.625%
HK$28,532
+HK$1,428/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$54,208/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$380,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,737
−HK$1,739/mo
▼ 0.25% · 3.875%
HK$28,600
−HK$876/mo
Today · 4.125%
HK$29,476
baseline
▲ 0.50% · 4.625%
HK$31,270
+HK$1,794/mo
Deposit HK$4.05M · loan HK$6.08M · min. income ≈ HK$58,952/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$380,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,857
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$31,685
−HK$839/mo
Today · 4.125%
HK$32,524
baseline
▲ 0.50% · 4.625%
HK$34,239
+HK$1,715/mo
Deposit HK$4.05M · loan HK$6.08M · min. income ≈ HK$65,048/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$380,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,360
−HK$2,029/mo
▼ 0.25% · 3.875%
HK$33,366
−HK$1,023/mo
Today · 4.125%
HK$34,389
baseline
▲ 0.50% · 4.625%
HK$36,482
+HK$2,093/mo
Deposit HK$3.04M · loan HK$7.10M · min. income ≈ HK$68,778/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$380,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,000
−HK$1,945/mo
▼ 0.25% · 3.875%
HK$36,965
−HK$980/mo
Today · 4.125%
HK$37,945
baseline
▲ 0.50% · 4.625%
HK$39,945
+HK$2,000/mo
Deposit HK$3.04M · loan HK$7.10M · min. income ≈ HK$75,890/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$380,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,605
−HK$2,610/mo
▼ 0.25% · 3.875%
HK$42,900
−HK$1,315/mo
Today · 4.125%
HK$44,215
baseline
▲ 0.50% · 4.625%
HK$46,905
+HK$2,690/mo
Deposit HK$1.01M · loan HK$9.12M · min. income ≈ HK$88,430/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$380,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,286
−HK$2,500/mo
▼ 0.25% · 3.875%
HK$47,527
−HK$1,259/mo
Today · 4.125%
HK$48,786
baseline
▲ 0.50% · 4.625%
HK$51,358
+HK$2,572/mo
Deposit HK$1.01M · loan HK$9.12M · min. income ≈ HK$97,572/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$380,125 · Scale 2, in force from 26 Feb 2026)