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$23,140
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$23,859
−HK$732/mo
Today · 4.125%
HK$24,591
baseline
▲ 0.50% · 4.625%
HK$26,087
+HK$1,496/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$49,182/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$380,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,743
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$26,433
−HK$700/mo
Today · 4.125%
HK$27,133
baseline
▲ 0.50% · 4.625%
HK$28,564
+HK$1,431/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$54,266/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$380,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,767
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$28,631
−HK$878/mo
Today · 4.125%
HK$29,509
baseline
▲ 0.50% · 4.625%
HK$31,304
+HK$1,795/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$59,018/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,891
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$31,720
−HK$840/mo
Today · 4.125%
HK$32,560
baseline
▲ 0.50% · 4.625%
HK$34,276
+HK$1,716/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$65,120/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,395
−HK$2,032/mo
▼ 0.25% · 3.875%
HK$33,403
−HK$1,024/mo
Today · 4.125%
HK$34,427
baseline
▲ 0.50% · 4.625%
HK$36,522
+HK$2,095/mo
Deposit HK$3.04M · loan HK$7.10M · min. income ≈ HK$68,854/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$380,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,040
−HK$1,947/mo
▼ 0.25% · 3.875%
HK$37,006
−HK$981/mo
Today · 4.125%
HK$37,987
baseline
▲ 0.50% · 4.625%
HK$39,989
+HK$2,002/mo
Deposit HK$3.04M · loan HK$7.10M · min. income ≈ HK$75,974/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$380,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,651
−HK$2,612/mo
▼ 0.25% · 3.875%
HK$42,947
−HK$1,316/mo
Today · 4.125%
HK$44,263
baseline
▲ 0.50% · 4.625%
HK$46,956
+HK$2,693/mo
Deposit HK$1.01M · loan HK$9.13M · min. income ≈ HK$88,526/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$380,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,337
−HK$2,503/mo
▼ 0.25% · 3.875%
HK$47,579
−HK$1,261/mo
Today · 4.125%
HK$48,840
baseline
▲ 0.50% · 4.625%
HK$51,414
+HK$2,574/mo
Deposit HK$1.01M · loan HK$9.13M · min. income ≈ HK$97,680/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$380,543 · Scale 2, in force from 26 Feb 2026)