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$22,950
−HK$1,439/mo
▼ 0.25% · 3.875%
HK$23,664
−HK$725/mo
Today · 4.125%
HK$24,389
baseline
▲ 0.50% · 4.625%
HK$25,873
+HK$1,484/mo
Deposit HK$5.03M · loan HK$5.03M · min. income ≈ HK$48,778/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$376,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,531
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$26,216
−HK$695/mo
Today · 4.125%
HK$26,911
baseline
▲ 0.50% · 4.625%
HK$28,329
+HK$1,418/mo
Deposit HK$5.03M · loan HK$5.03M · min. income ≈ HK$53,822/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$376,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,540
−HK$1,727/mo
▼ 0.25% · 3.875%
HK$28,396
−HK$871/mo
Today · 4.125%
HK$29,267
baseline
▲ 0.50% · 4.625%
HK$31,047
+HK$1,780/mo
Deposit HK$4.03M · loan HK$6.04M · min. income ≈ HK$58,534/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$376,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,638
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$31,459
−HK$834/mo
Today · 4.125%
HK$32,293
baseline
▲ 0.50% · 4.625%
HK$33,995
+HK$1,702/mo
Deposit HK$4.03M · loan HK$6.04M · min. income ≈ HK$64,586/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$376,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,130
−HK$2,014/mo
▼ 0.25% · 3.875%
HK$33,129
−HK$1,015/mo
Today · 4.125%
HK$34,144
baseline
▲ 0.50% · 4.625%
HK$36,222
+HK$2,078/mo
Deposit HK$3.02M · loan HK$7.05M · min. income ≈ HK$68,288/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$376,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,744
−HK$1,931/mo
▼ 0.25% · 3.875%
HK$36,703
−HK$972/mo
Today · 4.125%
HK$37,675
baseline
▲ 0.50% · 4.625%
HK$39,661
+HK$1,986/mo
Deposit HK$3.02M · loan HK$7.05M · min. income ≈ HK$75,350/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$376,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,310
−HK$2,590/mo
▼ 0.25% · 3.875%
HK$42,595
−HK$1,305/mo
Today · 4.125%
HK$43,900
baseline
▲ 0.50% · 4.625%
HK$46,571
+HK$2,671/mo
Deposit HK$1.01M · loan HK$9.06M · min. income ≈ HK$87,800/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$376,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,956
−HK$2,483/mo
▼ 0.25% · 3.875%
HK$47,189
−HK$1,250/mo
Today · 4.125%
HK$48,439
baseline
▲ 0.50% · 4.625%
HK$50,993
+HK$2,554/mo
Deposit HK$1.01M · loan HK$9.06M · min. income ≈ HK$96,878/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$376,455 · Scale 2, in force from 26 Feb 2026)