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$22,951
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$23,665
−HK$726/mo
Today · 4.125%
HK$24,391
baseline
▲ 0.50% · 4.625%
HK$25,875
+HK$1,484/mo
Deposit HK$5.03M · loan HK$5.03M · min. income ≈ HK$48,782/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$376,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,533
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$26,218
−HK$695/mo
Today · 4.125%
HK$26,913
baseline
▲ 0.50% · 4.625%
HK$28,331
+HK$1,418/mo
Deposit HK$5.03M · loan HK$5.03M · min. income ≈ HK$53,826/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$376,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,542
−HK$1,727/mo
▼ 0.25% · 3.875%
HK$28,398
−HK$871/mo
Today · 4.125%
HK$29,269
baseline
▲ 0.50% · 4.625%
HK$31,050
+HK$1,781/mo
Deposit HK$4.03M · loan HK$6.04M · min. income ≈ HK$58,538/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$376,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,640
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$31,462
−HK$833/mo
Today · 4.125%
HK$32,295
baseline
▲ 0.50% · 4.625%
HK$33,997
+HK$1,702/mo
Deposit HK$4.03M · loan HK$6.04M · min. income ≈ HK$64,590/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$376,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,132
−HK$2,015/mo
▼ 0.25% · 3.875%
HK$33,131
−HK$1,016/mo
Today · 4.125%
HK$34,147
baseline
▲ 0.50% · 4.625%
HK$36,225
+HK$2,078/mo
Deposit HK$3.02M · loan HK$7.05M · min. income ≈ HK$68,294/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$376,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,746
−HK$1,932/mo
▼ 0.25% · 3.875%
HK$36,705
−HK$973/mo
Today · 4.125%
HK$37,678
baseline
▲ 0.50% · 4.625%
HK$39,664
+HK$1,986/mo
Deposit HK$3.02M · loan HK$7.05M · min. income ≈ HK$75,356/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$376,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,312
−HK$2,591/mo
▼ 0.25% · 3.875%
HK$42,598
−HK$1,305/mo
Today · 4.125%
HK$43,903
baseline
▲ 0.50% · 4.625%
HK$46,575
+HK$2,672/mo
Deposit HK$1.01M · loan HK$9.06M · min. income ≈ HK$87,806/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$376,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,960
−HK$2,483/mo
▼ 0.25% · 3.875%
HK$47,192
−HK$1,251/mo
Today · 4.125%
HK$48,443
baseline
▲ 0.50% · 4.625%
HK$50,996
+HK$2,553/mo
Deposit HK$1.01M · loan HK$9.06M · min. income ≈ HK$96,886/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$376,526 · Scale 2, in force from 26 Feb 2026)