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$23,215
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$23,937
−HK$734/mo
Today · 4.125%
HK$24,671
baseline
▲ 0.50% · 4.625%
HK$26,172
+HK$1,501/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$49,342/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$381,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,827
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$26,519
−HK$703/mo
Today · 4.125%
HK$27,222
baseline
▲ 0.50% · 4.625%
HK$28,657
+HK$1,435/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$54,444/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$381,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,858
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$28,725
−HK$880/mo
Today · 4.125%
HK$29,605
baseline
▲ 0.50% · 4.625%
HK$31,407
+HK$1,802/mo
Deposit HK$4.07M · loan HK$6.11M · min. income ≈ HK$59,210/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,992
−HK$1,674/mo
▼ 0.25% · 3.875%
HK$31,823
−HK$843/mo
Today · 4.125%
HK$32,666
baseline
▲ 0.50% · 4.625%
HK$34,388
+HK$1,722/mo
Deposit HK$4.07M · loan HK$6.11M · min. income ≈ HK$65,332/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,501
−HK$2,038/mo
▼ 0.25% · 3.875%
HK$33,512
−HK$1,027/mo
Today · 4.125%
HK$34,539
baseline
▲ 0.50% · 4.625%
HK$36,641
+HK$2,102/mo
Deposit HK$3.05M · loan HK$7.13M · min. income ≈ HK$69,078/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$381,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,157
−HK$1,954/mo
▼ 0.25% · 3.875%
HK$37,127
−HK$984/mo
Today · 4.125%
HK$38,111
baseline
▲ 0.50% · 4.625%
HK$40,120
+HK$2,009/mo
Deposit HK$3.05M · loan HK$7.13M · min. income ≈ HK$76,222/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$381,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,787
−HK$2,621/mo
▼ 0.25% · 3.875%
HK$43,087
−HK$1,321/mo
Today · 4.125%
HK$44,408
baseline
▲ 0.50% · 4.625%
HK$47,110
+HK$2,702/mo
Deposit HK$1.02M · loan HK$9.16M · min. income ≈ HK$88,816/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,488
−HK$2,512/mo
▼ 0.25% · 3.875%
HK$47,735
−HK$1,265/mo
Today · 4.125%
HK$49,000
baseline
▲ 0.50% · 4.625%
HK$51,583
+HK$2,583/mo
Deposit HK$1.02M · loan HK$9.16M · min. income ≈ HK$98,000/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,787 · Scale 2, in force from 26 Feb 2026)