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$22,997
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$23,712
−HK$727/mo
Today · 4.125%
HK$24,439
baseline
▲ 0.50% · 4.625%
HK$25,926
+HK$1,487/mo
Deposit HK$5.04M · loan HK$5.04M · min. income ≈ HK$48,878/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$378,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,584
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$26,270
−HK$696/mo
Today · 4.125%
HK$26,966
baseline
▲ 0.50% · 4.625%
HK$28,388
+HK$1,422/mo
Deposit HK$5.04M · loan HK$5.04M · min. income ≈ HK$53,932/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$378,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,596
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$28,455
−HK$872/mo
Today · 4.125%
HK$29,327
baseline
▲ 0.50% · 4.625%
HK$31,111
+HK$1,784/mo
Deposit HK$4.03M · loan HK$6.05M · min. income ≈ HK$58,654/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$378,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,701
−HK$1,658/mo
▼ 0.25% · 3.875%
HK$31,524
−HK$835/mo
Today · 4.125%
HK$32,359
baseline
▲ 0.50% · 4.625%
HK$34,065
+HK$1,706/mo
Deposit HK$4.03M · loan HK$6.05M · min. income ≈ HK$64,718/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$378,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,196
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$33,197
−HK$1,018/mo
Today · 4.125%
HK$34,215
baseline
▲ 0.50% · 4.625%
HK$36,297
+HK$2,082/mo
Deposit HK$3.03M · loan HK$7.06M · min. income ≈ HK$68,430/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$378,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,817
−HK$1,936/mo
▼ 0.25% · 3.875%
HK$36,778
−HK$975/mo
Today · 4.125%
HK$37,753
baseline
▲ 0.50% · 4.625%
HK$39,743
+HK$1,990/mo
Deposit HK$3.03M · loan HK$7.06M · min. income ≈ HK$75,506/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$378,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,395
−HK$2,595/mo
▼ 0.25% · 3.875%
HK$42,682
−HK$1,308/mo
Today · 4.125%
HK$43,990
baseline
▲ 0.50% · 4.625%
HK$46,667
+HK$2,677/mo
Deposit HK$1.01M · loan HK$9.08M · min. income ≈ HK$87,980/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,051
−HK$2,488/mo
▼ 0.25% · 3.875%
HK$47,286
−HK$1,253/mo
Today · 4.125%
HK$48,539
baseline
▲ 0.50% · 4.625%
HK$51,098
+HK$2,559/mo
Deposit HK$1.01M · loan HK$9.08M · min. income ≈ HK$97,078/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,198 · Scale 2, in force from 26 Feb 2026)