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$22,943
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$23,656
−HK$725/mo
Today · 4.125%
HK$24,381
baseline
▲ 0.50% · 4.625%
HK$25,865
+HK$1,484/mo
Deposit HK$5.03M · loan HK$5.03M · min. income ≈ HK$48,762/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$376,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,523
−HK$1,379/mo
▼ 0.25% · 3.875%
HK$26,208
−HK$694/mo
Today · 4.125%
HK$26,902
baseline
▲ 0.50% · 4.625%
HK$28,320
+HK$1,418/mo
Deposit HK$5.03M · loan HK$5.03M · min. income ≈ HK$53,804/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$376,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,531
−HK$1,726/mo
▼ 0.25% · 3.875%
HK$28,387
−HK$870/mo
Today · 4.125%
HK$29,257
baseline
▲ 0.50% · 4.625%
HK$31,038
+HK$1,781/mo
Deposit HK$4.02M · loan HK$6.04M · min. income ≈ HK$58,514/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$376,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,628
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$31,449
−HK$834/mo
Today · 4.125%
HK$32,283
baseline
▲ 0.50% · 4.625%
HK$33,984
+HK$1,701/mo
Deposit HK$4.02M · loan HK$6.04M · min. income ≈ HK$64,566/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$376,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,120
−HK$2,014/mo
▼ 0.25% · 3.875%
HK$33,119
−HK$1,015/mo
Today · 4.125%
HK$34,134
baseline
▲ 0.50% · 4.625%
HK$36,211
+HK$2,077/mo
Deposit HK$3.02M · loan HK$7.04M · min. income ≈ HK$68,268/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$376,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,733
−HK$1,930/mo
▼ 0.25% · 3.875%
HK$36,691
−HK$972/mo
Today · 4.125%
HK$37,663
baseline
▲ 0.50% · 4.625%
HK$39,648
+HK$1,985/mo
Deposit HK$3.02M · loan HK$7.04M · min. income ≈ HK$75,326/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$376,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,297
−HK$2,589/mo
▼ 0.25% · 3.875%
HK$42,581
−HK$1,305/mo
Today · 4.125%
HK$43,886
baseline
▲ 0.50% · 4.625%
HK$46,557
+HK$2,671/mo
Deposit HK$1.01M · loan HK$9.06M · min. income ≈ HK$87,772/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$376,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,942
−HK$2,482/mo
▼ 0.25% · 3.875%
HK$47,174
−HK$1,250/mo
Today · 4.125%
HK$48,424
baseline
▲ 0.50% · 4.625%
HK$50,977
+HK$2,553/mo
Deposit HK$1.01M · loan HK$9.06M · min. income ≈ HK$96,848/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$376,139 · Scale 2, in force from 26 Feb 2026)