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$23,119
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$23,839
−HK$730/mo
Today · 4.125%
HK$24,569
baseline
▲ 0.50% · 4.625%
HK$26,064
+HK$1,495/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$49,138/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$380,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,720
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$26,410
−HK$700/mo
Today · 4.125%
HK$27,110
baseline
▲ 0.50% · 4.625%
HK$28,539
+HK$1,429/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$54,220/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$380,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,743
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$28,606
−HK$877/mo
Today · 4.125%
HK$29,483
baseline
▲ 0.50% · 4.625%
HK$31,277
+HK$1,794/mo
Deposit HK$4.06M · loan HK$6.08M · min. income ≈ HK$58,966/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,864
−HK$1,668/mo
▼ 0.25% · 3.875%
HK$31,692
−HK$840/mo
Today · 4.125%
HK$32,532
baseline
▲ 0.50% · 4.625%
HK$34,246
+HK$1,714/mo
Deposit HK$4.06M · loan HK$6.08M · min. income ≈ HK$65,064/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,367
−HK$2,030/mo
▼ 0.25% · 3.875%
HK$33,374
−HK$1,023/mo
Today · 4.125%
HK$34,397
baseline
▲ 0.50% · 4.625%
HK$36,490
+HK$2,093/mo
Deposit HK$3.04M · loan HK$7.10M · min. income ≈ HK$68,794/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$380,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,008
−HK$1,946/mo
▼ 0.25% · 3.875%
HK$36,974
−HK$980/mo
Today · 4.125%
HK$37,954
baseline
▲ 0.50% · 4.625%
HK$39,954
+HK$2,000/mo
Deposit HK$3.04M · loan HK$7.10M · min. income ≈ HK$75,908/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$380,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,615
−HK$2,610/mo
▼ 0.25% · 3.875%
HK$42,909
−HK$1,316/mo
Today · 4.125%
HK$44,225
baseline
▲ 0.50% · 4.625%
HK$46,916
+HK$2,691/mo
Deposit HK$1.01M · loan HK$9.13M · min. income ≈ HK$88,450/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$380,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,296
−HK$2,502/mo
▼ 0.25% · 3.875%
HK$47,538
−HK$1,260/mo
Today · 4.125%
HK$48,798
baseline
▲ 0.50% · 4.625%
HK$51,370
+HK$2,572/mo
Deposit HK$1.01M · loan HK$9.13M · min. income ≈ HK$97,596/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$380,212 · Scale 2, in force from 26 Feb 2026)