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$23,148
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$23,868
−HK$732/mo
Today · 4.125%
HK$24,600
baseline
▲ 0.50% · 4.625%
HK$26,096
+HK$1,496/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$49,200/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$380,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,752
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$26,443
−HK$700/mo
Today · 4.125%
HK$27,143
baseline
▲ 0.50% · 4.625%
HK$28,574
+HK$1,431/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$54,286/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$380,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,778
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$28,642
−HK$877/mo
Today · 4.125%
HK$29,519
baseline
▲ 0.50% · 4.625%
HK$31,316
+HK$1,797/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$59,038/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,902
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$31,731
−HK$841/mo
Today · 4.125%
HK$32,572
baseline
▲ 0.50% · 4.625%
HK$34,289
+HK$1,717/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$65,144/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,407
−HK$2,032/mo
▼ 0.25% · 3.875%
HK$33,415
−HK$1,024/mo
Today · 4.125%
HK$34,439
baseline
▲ 0.50% · 4.625%
HK$36,535
+HK$2,096/mo
Deposit HK$3.05M · loan HK$7.11M · min. income ≈ HK$68,878/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$380,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,053
−HK$1,947/mo
▼ 0.25% · 3.875%
HK$37,020
−HK$980/mo
Today · 4.125%
HK$38,000
baseline
▲ 0.50% · 4.625%
HK$40,003
+HK$2,003/mo
Deposit HK$3.05M · loan HK$7.11M · min. income ≈ HK$76,000/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$380,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,666
−HK$2,613/mo
▼ 0.25% · 3.875%
HK$42,962
−HK$1,317/mo
Today · 4.125%
HK$44,279
baseline
▲ 0.50% · 4.625%
HK$46,973
+HK$2,694/mo
Deposit HK$1.02M · loan HK$9.14M · min. income ≈ HK$88,558/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$380,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,353
−HK$2,505/mo
▼ 0.25% · 3.875%
HK$47,597
−HK$1,261/mo
Today · 4.125%
HK$48,858
baseline
▲ 0.50% · 4.625%
HK$51,433
+HK$2,575/mo
Deposit HK$1.02M · loan HK$9.14M · min. income ≈ HK$97,716/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$380,681 · Scale 2, in force from 26 Feb 2026)