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$22,956
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$23,670
−HK$726/mo
Today · 4.125%
HK$24,396
baseline
▲ 0.50% · 4.625%
HK$25,880
+HK$1,484/mo
Deposit HK$5.03M · loan HK$5.03M · min. income ≈ HK$48,792/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$376,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,539
−HK$1,379/mo
▼ 0.25% · 3.875%
HK$26,223
−HK$695/mo
Today · 4.125%
HK$26,918
baseline
▲ 0.50% · 4.625%
HK$28,337
+HK$1,419/mo
Deposit HK$5.03M · loan HK$5.03M · min. income ≈ HK$53,836/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$376,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,547
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$28,404
−HK$871/mo
Today · 4.125%
HK$29,275
baseline
▲ 0.50% · 4.625%
HK$31,056
+HK$1,781/mo
Deposit HK$4.03M · loan HK$6.04M · min. income ≈ HK$58,550/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$376,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,646
−HK$1,656/mo
▼ 0.25% · 3.875%
HK$31,468
−HK$834/mo
Today · 4.125%
HK$32,302
baseline
▲ 0.50% · 4.625%
HK$34,005
+HK$1,703/mo
Deposit HK$4.03M · loan HK$6.04M · min. income ≈ HK$64,604/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$376,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,139
−HK$2,015/mo
▼ 0.25% · 3.875%
HK$33,138
−HK$1,016/mo
Today · 4.125%
HK$34,154
baseline
▲ 0.50% · 4.625%
HK$36,232
+HK$2,078/mo
Deposit HK$3.02M · loan HK$7.05M · min. income ≈ HK$68,308/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$376,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,754
−HK$1,932/mo
▼ 0.25% · 3.875%
HK$36,713
−HK$973/mo
Today · 4.125%
HK$37,686
baseline
▲ 0.50% · 4.625%
HK$39,672
+HK$1,986/mo
Deposit HK$3.02M · loan HK$7.05M · min. income ≈ HK$75,372/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$376,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,321
−HK$2,591/mo
▼ 0.25% · 3.875%
HK$42,606
−HK$1,306/mo
Today · 4.125%
HK$43,912
baseline
▲ 0.50% · 4.625%
HK$46,584
+HK$2,672/mo
Deposit HK$1.01M · loan HK$9.06M · min. income ≈ HK$87,824/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$376,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,969
−HK$2,484/mo
▼ 0.25% · 3.875%
HK$47,202
−HK$1,251/mo
Today · 4.125%
HK$48,453
baseline
▲ 0.50% · 4.625%
HK$51,007
+HK$2,554/mo
Deposit HK$1.01M · loan HK$9.06M · min. income ≈ HK$96,906/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$376,736 · Scale 2, in force from 26 Feb 2026)