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$22,985
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$23,700
−HK$727/mo
Today · 4.125%
HK$24,427
baseline
▲ 0.50% · 4.625%
HK$25,913
+HK$1,486/mo
Deposit HK$5.04M · loan HK$5.04M · min. income ≈ HK$48,854/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$378,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,571
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$26,257
−HK$696/mo
Today · 4.125%
HK$26,953
baseline
▲ 0.50% · 4.625%
HK$28,373
+HK$1,420/mo
Deposit HK$5.04M · loan HK$5.04M · min. income ≈ HK$53,906/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$378,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,583
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$28,441
−HK$871/mo
Today · 4.125%
HK$29,312
baseline
▲ 0.50% · 4.625%
HK$31,096
+HK$1,784/mo
Deposit HK$4.03M · loan HK$6.05M · min. income ≈ HK$58,624/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$378,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,685
−HK$1,658/mo
▼ 0.25% · 3.875%
HK$31,508
−HK$835/mo
Today · 4.125%
HK$32,343
baseline
▲ 0.50% · 4.625%
HK$34,048
+HK$1,705/mo
Deposit HK$4.03M · loan HK$6.05M · min. income ≈ HK$64,686/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$378,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,180
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$33,181
−HK$1,017/mo
Today · 4.125%
HK$34,198
baseline
▲ 0.50% · 4.625%
HK$36,278
+HK$2,080/mo
Deposit HK$3.02M · loan HK$7.06M · min. income ≈ HK$68,396/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$378,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,800
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$36,760
−HK$974/mo
Today · 4.125%
HK$37,734
baseline
▲ 0.50% · 4.625%
HK$39,723
+HK$1,989/mo
Deposit HK$3.02M · loan HK$7.06M · min. income ≈ HK$75,468/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$378,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,374
−HK$2,594/mo
▼ 0.25% · 3.875%
HK$42,661
−HK$1,307/mo
Today · 4.125%
HK$43,968
baseline
▲ 0.50% · 4.625%
HK$46,644
+HK$2,676/mo
Deposit HK$1.01M · loan HK$9.07M · min. income ≈ HK$87,936/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,028
−HK$2,487/mo
▼ 0.25% · 3.875%
HK$47,262
−HK$1,253/mo
Today · 4.125%
HK$48,515
baseline
▲ 0.50% · 4.625%
HK$51,072
+HK$2,557/mo
Deposit HK$1.01M · loan HK$9.07M · min. income ≈ HK$97,030/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,008 · Scale 2, in force from 26 Feb 2026)