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$23,108
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$23,827
−HK$731/mo
Today · 4.125%
HK$24,558
baseline
▲ 0.50% · 4.625%
HK$26,052
+HK$1,494/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$49,116/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$380,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,708
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$26,397
−HK$700/mo
Today · 4.125%
HK$27,097
baseline
▲ 0.50% · 4.625%
HK$28,525
+HK$1,428/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$54,194/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$380,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,730
−HK$1,739/mo
▼ 0.25% · 3.875%
HK$28,593
−HK$876/mo
Today · 4.125%
HK$29,469
baseline
▲ 0.50% · 4.625%
HK$31,262
+HK$1,793/mo
Deposit HK$4.05M · loan HK$6.08M · min. income ≈ HK$58,938/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$380,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,850
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$31,677
−HK$839/mo
Today · 4.125%
HK$32,516
baseline
▲ 0.50% · 4.625%
HK$34,230
+HK$1,714/mo
Deposit HK$4.05M · loan HK$6.08M · min. income ≈ HK$65,032/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$380,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,352
−HK$2,029/mo
▼ 0.25% · 3.875%
HK$33,358
−HK$1,023/mo
Today · 4.125%
HK$34,381
baseline
▲ 0.50% · 4.625%
HK$36,473
+HK$2,092/mo
Deposit HK$3.04M · loan HK$7.09M · min. income ≈ HK$68,762/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$380,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,991
−HK$1,945/mo
▼ 0.25% · 3.875%
HK$36,956
−HK$980/mo
Today · 4.125%
HK$37,936
baseline
▲ 0.50% · 4.625%
HK$39,935
+HK$1,999/mo
Deposit HK$3.04M · loan HK$7.09M · min. income ≈ HK$75,872/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$380,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,595
−HK$2,609/mo
▼ 0.25% · 3.875%
HK$42,889
−HK$1,315/mo
Today · 4.125%
HK$44,204
baseline
▲ 0.50% · 4.625%
HK$46,893
+HK$2,689/mo
Deposit HK$1.01M · loan HK$9.12M · min. income ≈ HK$88,408/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$380,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,274
−HK$2,500/mo
▼ 0.25% · 3.875%
HK$47,515
−HK$1,259/mo
Today · 4.125%
HK$48,774
baseline
▲ 0.50% · 4.625%
HK$51,345
+HK$2,571/mo
Deposit HK$1.01M · loan HK$9.12M · min. income ≈ HK$97,548/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$380,032 · Scale 2, in force from 26 Feb 2026)