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$22,927
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$23,641
−HK$724/mo
Today · 4.125%
HK$24,365
baseline
▲ 0.50% · 4.625%
HK$25,848
+HK$1,483/mo
Deposit HK$5.03M · loan HK$5.03M · min. income ≈ HK$48,730/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$375,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,506
−HK$1,379/mo
▼ 0.25% · 3.875%
HK$26,191
−HK$694/mo
Today · 4.125%
HK$26,885
baseline
▲ 0.50% · 4.625%
HK$28,302
+HK$1,417/mo
Deposit HK$5.03M · loan HK$5.03M · min. income ≈ HK$53,770/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$375,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,513
−HK$1,725/mo
▼ 0.25% · 3.875%
HK$28,369
−HK$869/mo
Today · 4.125%
HK$29,238
baseline
▲ 0.50% · 4.625%
HK$31,017
+HK$1,779/mo
Deposit HK$4.02M · loan HK$6.03M · min. income ≈ HK$58,476/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$375,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,608
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$31,429
−HK$832/mo
Today · 4.125%
HK$32,261
baseline
▲ 0.50% · 4.625%
HK$33,962
+HK$1,701/mo
Deposit HK$4.02M · loan HK$6.03M · min. income ≈ HK$64,522/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$375,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,098
−HK$2,013/mo
▼ 0.25% · 3.875%
HK$33,097
−HK$1,014/mo
Today · 4.125%
HK$34,111
baseline
▲ 0.50% · 4.625%
HK$36,187
+HK$2,076/mo
Deposit HK$3.02M · loan HK$7.04M · min. income ≈ HK$68,222/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$375,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,709
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$36,667
−HK$971/mo
Today · 4.125%
HK$37,638
baseline
▲ 0.50% · 4.625%
HK$39,622
+HK$1,984/mo
Deposit HK$3.02M · loan HK$7.04M · min. income ≈ HK$75,276/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$375,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,269
−HK$2,588/mo
▼ 0.25% · 3.875%
HK$42,553
−HK$1,304/mo
Today · 4.125%
HK$43,857
baseline
▲ 0.50% · 4.625%
HK$46,526
+HK$2,669/mo
Deposit HK$1.01M · loan HK$9.05M · min. income ≈ HK$87,714/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$375,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,912
−HK$2,480/mo
▼ 0.25% · 3.875%
HK$47,143
−HK$1,249/mo
Today · 4.125%
HK$48,392
baseline
▲ 0.50% · 4.625%
HK$50,943
+HK$2,551/mo
Deposit HK$1.01M · loan HK$9.05M · min. income ≈ HK$96,784/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$375,474 · Scale 2, in force from 26 Feb 2026)