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$23,152
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$23,872
−HK$732/mo
Today · 4.125%
HK$24,604
baseline
▲ 0.50% · 4.625%
HK$26,101
+HK$1,497/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$49,208/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$380,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,756
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$26,447
−HK$701/mo
Today · 4.125%
HK$27,148
baseline
▲ 0.50% · 4.625%
HK$28,579
+HK$1,431/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$54,296/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$380,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,782
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$28,646
−HK$878/mo
Today · 4.125%
HK$29,524
baseline
▲ 0.50% · 4.625%
HK$31,321
+HK$1,797/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$59,048/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,907
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$31,736
−HK$841/mo
Today · 4.125%
HK$32,577
baseline
▲ 0.50% · 4.625%
HK$34,294
+HK$1,717/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$65,154/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,412
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$33,421
−HK$1,024/mo
Today · 4.125%
HK$34,445
baseline
▲ 0.50% · 4.625%
HK$36,541
+HK$2,096/mo
Deposit HK$3.05M · loan HK$7.11M · min. income ≈ HK$68,890/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$380,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,058
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$37,026
−HK$981/mo
Today · 4.125%
HK$38,007
baseline
▲ 0.50% · 4.625%
HK$40,010
+HK$2,003/mo
Deposit HK$3.05M · loan HK$7.11M · min. income ≈ HK$76,014/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$380,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,673
−HK$2,613/mo
▼ 0.25% · 3.875%
HK$42,969
−HK$1,317/mo
Today · 4.125%
HK$44,286
baseline
▲ 0.50% · 4.625%
HK$46,981
+HK$2,695/mo
Deposit HK$1.02M · loan HK$9.14M · min. income ≈ HK$88,572/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$380,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,361
−HK$2,505/mo
▼ 0.25% · 3.875%
HK$47,604
−HK$1,262/mo
Today · 4.125%
HK$48,866
baseline
▲ 0.50% · 4.625%
HK$51,441
+HK$2,575/mo
Deposit HK$1.02M · loan HK$9.14M · min. income ≈ HK$97,732/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$380,742 · Scale 2, in force from 26 Feb 2026)