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$23,003
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$23,719
−HK$727/mo
Today · 4.125%
HK$24,446
baseline
▲ 0.50% · 4.625%
HK$25,933
+HK$1,487/mo
Deposit HK$5.04M · loan HK$5.04M · min. income ≈ HK$48,892/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$378,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,591
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$26,277
−HK$696/mo
Today · 4.125%
HK$26,973
baseline
▲ 0.50% · 4.625%
HK$28,395
+HK$1,422/mo
Deposit HK$5.04M · loan HK$5.04M · min. income ≈ HK$53,946/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$378,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,604
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$28,462
−HK$873/mo
Today · 4.125%
HK$29,335
baseline
▲ 0.50% · 4.625%
HK$31,120
+HK$1,785/mo
Deposit HK$4.04M · loan HK$6.05M · min. income ≈ HK$58,670/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$378,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,709
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$31,532
−HK$836/mo
Today · 4.125%
HK$32,368
baseline
▲ 0.50% · 4.625%
HK$34,074
+HK$1,706/mo
Deposit HK$4.04M · loan HK$6.05M · min. income ≈ HK$64,736/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$378,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,204
−HK$2,020/mo
▼ 0.25% · 3.875%
HK$33,206
−HK$1,018/mo
Today · 4.125%
HK$34,224
baseline
▲ 0.50% · 4.625%
HK$36,306
+HK$2,082/mo
Deposit HK$3.03M · loan HK$7.06M · min. income ≈ HK$68,448/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$378,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,827
−HK$1,935/mo
▼ 0.25% · 3.875%
HK$36,788
−HK$974/mo
Today · 4.125%
HK$37,762
baseline
▲ 0.50% · 4.625%
HK$39,753
+HK$1,991/mo
Deposit HK$3.03M · loan HK$7.06M · min. income ≈ HK$75,524/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$378,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,405
−HK$2,597/mo
▼ 0.25% · 3.875%
HK$42,693
−HK$1,309/mo
Today · 4.125%
HK$44,002
baseline
▲ 0.50% · 4.625%
HK$46,679
+HK$2,677/mo
Deposit HK$1.01M · loan HK$9.08M · min. income ≈ HK$88,004/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,063
−HK$2,489/mo
▼ 0.25% · 3.875%
HK$47,299
−HK$1,253/mo
Today · 4.125%
HK$48,552
baseline
▲ 0.50% · 4.625%
HK$51,111
+HK$2,559/mo
Deposit HK$1.01M · loan HK$9.08M · min. income ≈ HK$97,104/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,297 · Scale 2, in force from 26 Feb 2026)