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$22,926
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$23,639
−HK$725/mo
Today · 4.125%
HK$24,364
baseline
▲ 0.50% · 4.625%
HK$25,846
+HK$1,482/mo
Deposit HK$5.03M · loan HK$5.03M · min. income ≈ HK$48,728/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$375,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,505
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$26,189
−HK$694/mo
Today · 4.125%
HK$26,883
baseline
▲ 0.50% · 4.625%
HK$28,300
+HK$1,417/mo
Deposit HK$5.03M · loan HK$5.03M · min. income ≈ HK$53,766/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$375,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,511
−HK$1,725/mo
▼ 0.25% · 3.875%
HK$28,367
−HK$869/mo
Today · 4.125%
HK$29,236
baseline
▲ 0.50% · 4.625%
HK$31,015
+HK$1,779/mo
Deposit HK$4.02M · loan HK$6.03M · min. income ≈ HK$58,472/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$375,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,606
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$31,427
−HK$832/mo
Today · 4.125%
HK$32,259
baseline
▲ 0.50% · 4.625%
HK$33,960
+HK$1,701/mo
Deposit HK$4.02M · loan HK$6.03M · min. income ≈ HK$64,518/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$375,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,096
−HK$2,013/mo
▼ 0.25% · 3.875%
HK$33,095
−HK$1,014/mo
Today · 4.125%
HK$34,109
baseline
▲ 0.50% · 4.625%
HK$36,185
+HK$2,076/mo
Deposit HK$3.02M · loan HK$7.04M · min. income ≈ HK$68,218/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$375,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,707
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$36,665
−HK$971/mo
Today · 4.125%
HK$37,636
baseline
▲ 0.50% · 4.625%
HK$39,620
+HK$1,984/mo
Deposit HK$3.02M · loan HK$7.04M · min. income ≈ HK$75,272/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$375,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,267
−HK$2,588/mo
▼ 0.25% · 3.875%
HK$42,550
−HK$1,305/mo
Today · 4.125%
HK$43,855
baseline
▲ 0.50% · 4.625%
HK$46,523
+HK$2,668/mo
Deposit HK$1.01M · loan HK$9.05M · min. income ≈ HK$87,710/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$375,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,909
−HK$2,480/mo
▼ 0.25% · 3.875%
HK$47,140
−HK$1,249/mo
Today · 4.125%
HK$48,389
baseline
▲ 0.50% · 4.625%
HK$50,940
+HK$2,551/mo
Deposit HK$1.01M · loan HK$9.05M · min. income ≈ HK$96,778/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$375,412 · Scale 2, in force from 26 Feb 2026)