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$23,131
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$23,851
−HK$731/mo
Today · 4.125%
HK$24,582
baseline
▲ 0.50% · 4.625%
HK$26,078
+HK$1,496/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$49,164/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$380,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,733
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$26,423
−HK$701/mo
Today · 4.125%
HK$27,124
baseline
▲ 0.50% · 4.625%
HK$28,553
+HK$1,429/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$54,248/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$380,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,758
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$28,621
−HK$877/mo
Today · 4.125%
HK$29,498
baseline
▲ 0.50% · 4.625%
HK$31,293
+HK$1,795/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$58,996/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,880
−HK$1,668/mo
▼ 0.25% · 3.875%
HK$31,708
−HK$840/mo
Today · 4.125%
HK$32,548
baseline
▲ 0.50% · 4.625%
HK$34,264
+HK$1,716/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$65,096/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,384
−HK$2,031/mo
▼ 0.25% · 3.875%
HK$33,391
−HK$1,024/mo
Today · 4.125%
HK$34,415
baseline
▲ 0.50% · 4.625%
HK$36,509
+HK$2,094/mo
Deposit HK$3.04M · loan HK$7.10M · min. income ≈ HK$68,830/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$380,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,027
−HK$1,946/mo
▼ 0.25% · 3.875%
HK$36,993
−HK$980/mo
Today · 4.125%
HK$37,973
baseline
▲ 0.50% · 4.625%
HK$39,975
+HK$2,002/mo
Deposit HK$3.04M · loan HK$7.10M · min. income ≈ HK$75,946/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$380,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,636
−HK$2,611/mo
▼ 0.25% · 3.875%
HK$42,931
−HK$1,316/mo
Today · 4.125%
HK$44,247
baseline
▲ 0.50% · 4.625%
HK$46,940
+HK$2,693/mo
Deposit HK$1.01M · loan HK$9.13M · min. income ≈ HK$88,494/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$380,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,320
−HK$2,503/mo
▼ 0.25% · 3.875%
HK$47,562
−HK$1,261/mo
Today · 4.125%
HK$48,823
baseline
▲ 0.50% · 4.625%
HK$51,396
+HK$2,573/mo
Deposit HK$1.01M · loan HK$9.13M · min. income ≈ HK$97,646/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$380,407 · Scale 2, in force from 26 Feb 2026)