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$23,000
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$23,716
−HK$727/mo
Today · 4.125%
HK$24,443
baseline
▲ 0.50% · 4.625%
HK$25,930
+HK$1,487/mo
Deposit HK$5.04M · loan HK$5.04M · min. income ≈ HK$48,886/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$378,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,588
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$26,274
−HK$696/mo
Today · 4.125%
HK$26,970
baseline
▲ 0.50% · 4.625%
HK$28,392
+HK$1,422/mo
Deposit HK$5.04M · loan HK$5.04M · min. income ≈ HK$53,940/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$378,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,600
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$28,459
−HK$872/mo
Today · 4.125%
HK$29,331
baseline
▲ 0.50% · 4.625%
HK$31,116
+HK$1,785/mo
Deposit HK$4.03M · loan HK$6.05M · min. income ≈ HK$58,662/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$378,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,705
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$31,529
−HK$835/mo
Today · 4.125%
HK$32,364
baseline
▲ 0.50% · 4.625%
HK$34,070
+HK$1,706/mo
Deposit HK$4.03M · loan HK$6.05M · min. income ≈ HK$64,728/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$378,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,200
−HK$2,020/mo
▼ 0.25% · 3.875%
HK$33,202
−HK$1,018/mo
Today · 4.125%
HK$34,220
baseline
▲ 0.50% · 4.625%
HK$36,302
+HK$2,082/mo
Deposit HK$3.03M · loan HK$7.06M · min. income ≈ HK$68,440/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$378,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,823
−HK$1,935/mo
▼ 0.25% · 3.875%
HK$36,783
−HK$975/mo
Today · 4.125%
HK$37,758
baseline
▲ 0.50% · 4.625%
HK$39,748
+HK$1,990/mo
Deposit HK$3.03M · loan HK$7.06M · min. income ≈ HK$75,516/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$378,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,401
−HK$2,596/mo
▼ 0.25% · 3.875%
HK$42,688
−HK$1,309/mo
Today · 4.125%
HK$43,997
baseline
▲ 0.50% · 4.625%
HK$46,674
+HK$2,677/mo
Deposit HK$1.01M · loan HK$9.08M · min. income ≈ HK$87,994/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,058
−HK$2,488/mo
▼ 0.25% · 3.875%
HK$47,293
−HK$1,253/mo
Today · 4.125%
HK$48,546
baseline
▲ 0.50% · 4.625%
HK$51,105
+HK$2,559/mo
Deposit HK$1.01M · loan HK$9.08M · min. income ≈ HK$97,092/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,253 · Scale 2, in force from 26 Feb 2026)