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$23,217
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$23,939
−HK$733/mo
Today · 4.125%
HK$24,672
baseline
▲ 0.50% · 4.625%
HK$26,174
+HK$1,502/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$49,344/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$381,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,828
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$26,521
−HK$703/mo
Today · 4.125%
HK$27,224
baseline
▲ 0.50% · 4.625%
HK$28,659
+HK$1,435/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$54,448/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$381,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,860
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$28,726
−HK$881/mo
Today · 4.125%
HK$29,607
baseline
▲ 0.50% · 4.625%
HK$31,408
+HK$1,801/mo
Deposit HK$4.07M · loan HK$6.11M · min. income ≈ HK$59,214/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,994
−HK$1,674/mo
▼ 0.25% · 3.875%
HK$31,825
−HK$843/mo
Today · 4.125%
HK$32,668
baseline
▲ 0.50% · 4.625%
HK$34,390
+HK$1,722/mo
Deposit HK$4.07M · loan HK$6.11M · min. income ≈ HK$65,336/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,503
−HK$2,038/mo
▼ 0.25% · 3.875%
HK$33,514
−HK$1,027/mo
Today · 4.125%
HK$34,541
baseline
▲ 0.50% · 4.625%
HK$36,643
+HK$2,102/mo
Deposit HK$3.05M · loan HK$7.13M · min. income ≈ HK$69,082/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$381,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,159
−HK$1,954/mo
▼ 0.25% · 3.875%
HK$37,129
−HK$984/mo
Today · 4.125%
HK$38,113
baseline
▲ 0.50% · 4.625%
HK$40,122
+HK$2,009/mo
Deposit HK$3.05M · loan HK$7.13M · min. income ≈ HK$76,226/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$381,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,790
−HK$2,620/mo
▼ 0.25% · 3.875%
HK$43,090
−HK$1,320/mo
Today · 4.125%
HK$44,410
baseline
▲ 0.50% · 4.625%
HK$47,113
+HK$2,703/mo
Deposit HK$1.02M · loan HK$9.16M · min. income ≈ HK$88,820/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,491
−HK$2,511/mo
▼ 0.25% · 3.875%
HK$47,738
−HK$1,264/mo
Today · 4.125%
HK$49,002
baseline
▲ 0.50% · 4.625%
HK$51,585
+HK$2,583/mo
Deposit HK$1.02M · loan HK$9.16M · min. income ≈ HK$98,004/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,809 · Scale 2, in force from 26 Feb 2026)