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$23,086
−HK$1,447/mo
▼ 0.25% · 3.875%
HK$23,804
−HK$729/mo
Today · 4.125%
HK$24,533
baseline
▲ 0.50% · 4.625%
HK$26,026
+HK$1,493/mo
Deposit HK$5.06M · loan HK$5.06M · min. income ≈ HK$49,066/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$379,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,683
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$26,371
−HK$699/mo
Today · 4.125%
HK$27,070
baseline
▲ 0.50% · 4.625%
HK$28,497
+HK$1,427/mo
Deposit HK$5.06M · loan HK$5.06M · min. income ≈ HK$54,140/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$379,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,703
−HK$1,737/mo
▼ 0.25% · 3.875%
HK$28,564
−HK$876/mo
Today · 4.125%
HK$29,440
baseline
▲ 0.50% · 4.625%
HK$31,231
+HK$1,791/mo
Deposit HK$4.05M · loan HK$6.07M · min. income ≈ HK$58,880/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$379,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,819
−HK$1,665/mo
▼ 0.25% · 3.875%
HK$31,646
−HK$838/mo
Today · 4.125%
HK$32,484
baseline
▲ 0.50% · 4.625%
HK$34,196
+HK$1,712/mo
Deposit HK$4.05M · loan HK$6.07M · min. income ≈ HK$64,968/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$379,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,320
−HK$2,027/mo
▼ 0.25% · 3.875%
HK$33,325
−HK$1,022/mo
Today · 4.125%
HK$34,347
baseline
▲ 0.50% · 4.625%
HK$36,437
+HK$2,090/mo
Deposit HK$3.04M · loan HK$7.09M · min. income ≈ HK$68,694/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$379,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,956
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$36,920
−HK$978/mo
Today · 4.125%
HK$37,898
baseline
▲ 0.50% · 4.625%
HK$39,896
+HK$1,998/mo
Deposit HK$3.04M · loan HK$7.09M · min. income ≈ HK$75,796/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$379,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,554
−HK$2,606/mo
▼ 0.25% · 3.875%
HK$42,847
−HK$1,313/mo
Today · 4.125%
HK$44,160
baseline
▲ 0.50% · 4.625%
HK$46,847
+HK$2,687/mo
Deposit HK$1.01M · loan HK$9.11M · min. income ≈ HK$88,320/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,229
−HK$2,497/mo
▼ 0.25% · 3.875%
HK$47,468
−HK$1,258/mo
Today · 4.125%
HK$48,726
baseline
▲ 0.50% · 4.625%
HK$51,295
+HK$2,569/mo
Deposit HK$1.01M · loan HK$9.11M · min. income ≈ HK$97,452/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,656 · Scale 2, in force from 26 Feb 2026)