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$23,097
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$23,816
−HK$730/mo
Today · 4.125%
HK$24,546
baseline
▲ 0.50% · 4.625%
HK$26,039
+HK$1,493/mo
Deposit HK$5.06M · loan HK$5.06M · min. income ≈ HK$49,092/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$379,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,696
−HK$1,388/mo
▼ 0.25% · 3.875%
HK$26,385
−HK$699/mo
Today · 4.125%
HK$27,084
baseline
▲ 0.50% · 4.625%
HK$28,512
+HK$1,428/mo
Deposit HK$5.06M · loan HK$5.06M · min. income ≈ HK$54,168/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$379,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,717
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$28,579
−HK$876/mo
Today · 4.125%
HK$29,455
baseline
▲ 0.50% · 4.625%
HK$31,247
+HK$1,792/mo
Deposit HK$4.05M · loan HK$6.08M · min. income ≈ HK$58,910/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$379,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,835
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$31,662
−HK$839/mo
Today · 4.125%
HK$32,501
baseline
▲ 0.50% · 4.625%
HK$34,214
+HK$1,713/mo
Deposit HK$4.05M · loan HK$6.08M · min. income ≈ HK$65,002/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$379,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,336
−HK$2,028/mo
▼ 0.25% · 3.875%
HK$33,342
−HK$1,022/mo
Today · 4.125%
HK$34,364
baseline
▲ 0.50% · 4.625%
HK$36,455
+HK$2,091/mo
Deposit HK$3.04M · loan HK$7.09M · min. income ≈ HK$68,728/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$379,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,974
−HK$1,943/mo
▼ 0.25% · 3.875%
HK$36,939
−HK$978/mo
Today · 4.125%
HK$37,917
baseline
▲ 0.50% · 4.625%
HK$39,916
+HK$1,999/mo
Deposit HK$3.04M · loan HK$7.09M · min. income ≈ HK$75,834/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$379,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,575
−HK$2,608/mo
▼ 0.25% · 3.875%
HK$42,869
−HK$1,314/mo
Today · 4.125%
HK$44,183
baseline
▲ 0.50% · 4.625%
HK$46,871
+HK$2,688/mo
Deposit HK$1.01M · loan HK$9.12M · min. income ≈ HK$88,366/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,252
−HK$2,499/mo
▼ 0.25% · 3.875%
HK$47,493
−HK$1,258/mo
Today · 4.125%
HK$48,751
baseline
▲ 0.50% · 4.625%
HK$51,321
+HK$2,570/mo
Deposit HK$1.01M · loan HK$9.12M · min. income ≈ HK$97,502/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,850 · Scale 2, in force from 26 Feb 2026)