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$22,963
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$23,677
−HK$726/mo
Today · 4.125%
HK$24,403
baseline
▲ 0.50% · 4.625%
HK$25,888
+HK$1,485/mo
Deposit HK$5.04M · loan HK$5.04M · min. income ≈ HK$48,806/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$377,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,546
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$26,231
−HK$695/mo
Today · 4.125%
HK$26,926
baseline
▲ 0.50% · 4.625%
HK$28,346
+HK$1,420/mo
Deposit HK$5.04M · loan HK$5.04M · min. income ≈ HK$53,852/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$377,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,556
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$28,413
−HK$871/mo
Today · 4.125%
HK$29,284
baseline
▲ 0.50% · 4.625%
HK$31,066
+HK$1,782/mo
Deposit HK$4.03M · loan HK$6.04M · min. income ≈ HK$58,568/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$377,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,656
−HK$1,656/mo
▼ 0.25% · 3.875%
HK$31,478
−HK$834/mo
Today · 4.125%
HK$32,312
baseline
▲ 0.50% · 4.625%
HK$34,015
+HK$1,703/mo
Deposit HK$4.03M · loan HK$6.04M · min. income ≈ HK$64,624/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$377,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,148
−HK$2,016/mo
▼ 0.25% · 3.875%
HK$33,148
−HK$1,016/mo
Today · 4.125%
HK$34,164
baseline
▲ 0.50% · 4.625%
HK$36,243
+HK$2,079/mo
Deposit HK$3.02M · loan HK$7.05M · min. income ≈ HK$68,328/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$377,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,765
−HK$1,932/mo
▼ 0.25% · 3.875%
HK$36,724
−HK$973/mo
Today · 4.125%
HK$37,697
baseline
▲ 0.50% · 4.625%
HK$39,684
+HK$1,987/mo
Deposit HK$3.02M · loan HK$7.05M · min. income ≈ HK$75,394/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$377,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,334
−HK$2,592/mo
▼ 0.25% · 3.875%
HK$42,619
−HK$1,307/mo
Today · 4.125%
HK$43,926
baseline
▲ 0.50% · 4.625%
HK$46,598
+HK$2,672/mo
Deposit HK$1.01M · loan HK$9.06M · min. income ≈ HK$87,852/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$377,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,983
−HK$2,485/mo
▼ 0.25% · 3.875%
HK$47,217
−HK$1,251/mo
Today · 4.125%
HK$48,468
baseline
▲ 0.50% · 4.625%
HK$51,022
+HK$2,554/mo
Deposit HK$1.01M · loan HK$9.06M · min. income ≈ HK$96,936/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$377,044 · Scale 2, in force from 26 Feb 2026)