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$22,946
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$23,659
−HK$725/mo
Today · 4.125%
HK$24,384
baseline
▲ 0.50% · 4.625%
HK$25,868
+HK$1,484/mo
Deposit HK$5.03M · loan HK$5.03M · min. income ≈ HK$48,768/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$376,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,527
−HK$1,379/mo
▼ 0.25% · 3.875%
HK$26,211
−HK$695/mo
Today · 4.125%
HK$26,906
baseline
▲ 0.50% · 4.625%
HK$28,324
+HK$1,418/mo
Deposit HK$5.03M · loan HK$5.03M · min. income ≈ HK$53,812/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$376,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,535
−HK$1,726/mo
▼ 0.25% · 3.875%
HK$28,391
−HK$870/mo
Today · 4.125%
HK$29,261
baseline
▲ 0.50% · 4.625%
HK$31,042
+HK$1,781/mo
Deposit HK$4.03M · loan HK$6.04M · min. income ≈ HK$58,522/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$376,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,632
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$31,454
−HK$833/mo
Today · 4.125%
HK$32,287
baseline
▲ 0.50% · 4.625%
HK$33,989
+HK$1,702/mo
Deposit HK$4.03M · loan HK$6.04M · min. income ≈ HK$64,574/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$376,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,124
−HK$2,014/mo
▼ 0.25% · 3.875%
HK$33,123
−HK$1,015/mo
Today · 4.125%
HK$34,138
baseline
▲ 0.50% · 4.625%
HK$36,215
+HK$2,077/mo
Deposit HK$3.02M · loan HK$7.04M · min. income ≈ HK$68,276/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$376,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,737
−HK$1,931/mo
▼ 0.25% · 3.875%
HK$36,696
−HK$972/mo
Today · 4.125%
HK$37,668
baseline
▲ 0.50% · 4.625%
HK$39,654
+HK$1,986/mo
Deposit HK$3.02M · loan HK$7.04M · min. income ≈ HK$75,336/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$376,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,302
−HK$2,590/mo
▼ 0.25% · 3.875%
HK$42,587
−HK$1,305/mo
Today · 4.125%
HK$43,892
baseline
▲ 0.50% · 4.625%
HK$46,563
+HK$2,671/mo
Deposit HK$1.01M · loan HK$9.06M · min. income ≈ HK$87,784/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$376,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,948
−HK$2,482/mo
▼ 0.25% · 3.875%
HK$47,180
−HK$1,250/mo
Today · 4.125%
HK$48,430
baseline
▲ 0.50% · 4.625%
HK$50,983
+HK$2,553/mo
Deposit HK$1.01M · loan HK$9.06M · min. income ≈ HK$96,860/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$376,269 · Scale 2, in force from 26 Feb 2026)