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$22,987
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$23,702
−HK$726/mo
Today · 4.125%
HK$24,428
baseline
▲ 0.50% · 4.625%
HK$25,914
+HK$1,486/mo
Deposit HK$5.04M · loan HK$5.04M · min. income ≈ HK$48,856/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$378,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,572
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$26,258
−HK$696/mo
Today · 4.125%
HK$26,954
baseline
▲ 0.50% · 4.625%
HK$28,375
+HK$1,421/mo
Deposit HK$5.04M · loan HK$5.04M · min. income ≈ HK$53,908/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$378,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,584
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$28,442
−HK$872/mo
Today · 4.125%
HK$29,314
baseline
▲ 0.50% · 4.625%
HK$31,097
+HK$1,783/mo
Deposit HK$4.03M · loan HK$6.05M · min. income ≈ HK$58,628/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$378,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,687
−HK$1,658/mo
▼ 0.25% · 3.875%
HK$31,510
−HK$835/mo
Today · 4.125%
HK$32,345
baseline
▲ 0.50% · 4.625%
HK$34,050
+HK$1,705/mo
Deposit HK$4.03M · loan HK$6.05M · min. income ≈ HK$64,690/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$378,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,181
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$33,182
−HK$1,017/mo
Today · 4.125%
HK$34,199
baseline
▲ 0.50% · 4.625%
HK$36,280
+HK$2,081/mo
Deposit HK$3.02M · loan HK$7.06M · min. income ≈ HK$68,398/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$378,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,801
−HK$1,935/mo
▼ 0.25% · 3.875%
HK$36,761
−HK$975/mo
Today · 4.125%
HK$37,736
baseline
▲ 0.50% · 4.625%
HK$39,725
+HK$1,989/mo
Deposit HK$3.02M · loan HK$7.06M · min. income ≈ HK$75,472/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$378,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,376
−HK$2,594/mo
▼ 0.25% · 3.875%
HK$42,663
−HK$1,307/mo
Today · 4.125%
HK$43,970
baseline
▲ 0.50% · 4.625%
HK$46,646
+HK$2,676/mo
Deposit HK$1.01M · loan HK$9.07M · min. income ≈ HK$87,940/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,030
−HK$2,487/mo
▼ 0.25% · 3.875%
HK$47,265
−HK$1,252/mo
Today · 4.125%
HK$48,517
baseline
▲ 0.50% · 4.625%
HK$51,075
+HK$2,558/mo
Deposit HK$1.01M · loan HK$9.07M · min. income ≈ HK$97,034/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,027 · Scale 2, in force from 26 Feb 2026)