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$376,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,532
−HK$1,379/mo
▼ 0.25% · 3.875%
HK$26,217
−HK$694/mo
Today · 4.125%
HK$26,911
baseline
▲ 0.50% · 4.625%
HK$28,330
+HK$1,419/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$376,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,540
−HK$1,727/mo
▼ 0.25% · 3.875%
HK$28,397
−HK$870/mo
Today · 4.125%
HK$29,267
baseline
▲ 0.50% · 4.625%
HK$31,048
+HK$1,781/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$376,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,638
−HK$1,656/mo
▼ 0.25% · 3.875%
HK$31,460
−HK$834/mo
Today · 4.125%
HK$32,294
baseline
▲ 0.50% · 4.625%
HK$33,996
+HK$1,702/mo
Deposit HK$4.03M · loan HK$6.04M · min. income ≈ HK$64,588/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$376,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,130
−HK$2,015/mo
▼ 0.25% · 3.875%
HK$33,130
−HK$1,015/mo
Today · 4.125%
HK$34,145
baseline
▲ 0.50% · 4.625%
HK$36,223
+HK$2,078/mo
Deposit HK$3.02M · loan HK$7.05M · min. income ≈ HK$68,290/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$376,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,745
−HK$1,931/mo
▼ 0.25% · 3.875%
HK$36,703
−HK$973/mo
Today · 4.125%
HK$37,676
baseline
▲ 0.50% · 4.625%
HK$39,662
+HK$1,986/mo
Deposit HK$3.02M · loan HK$7.05M · min. income ≈ HK$75,352/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$376,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,310
−HK$2,591/mo
▼ 0.25% · 3.875%
HK$42,595
−HK$1,306/mo
Today · 4.125%
HK$43,901
baseline
▲ 0.50% · 4.625%
HK$46,572
+HK$2,671/mo
Deposit HK$1.01M · loan HK$9.06M · min. income ≈ HK$87,802/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$376,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,958
−HK$2,482/mo
▼ 0.25% · 3.875%
HK$47,190
−HK$1,250/mo
Today · 4.125%
HK$48,440
baseline
▲ 0.50% · 4.625%
HK$50,994
+HK$2,554/mo
Deposit HK$1.01M · loan HK$9.06M · min. income ≈ HK$96,880/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$376,478 · Scale 2, in force from 26 Feb 2026)