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$22,981
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$23,696
−HK$726/mo
Today · 4.125%
HK$24,422
baseline
▲ 0.50% · 4.625%
HK$25,909
+HK$1,487/mo
Deposit HK$5.04M · loan HK$5.04M · min. income ≈ HK$48,844/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$377,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,566
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$26,252
−HK$696/mo
Today · 4.125%
HK$26,948
baseline
▲ 0.50% · 4.625%
HK$28,368
+HK$1,420/mo
Deposit HK$5.04M · loan HK$5.04M · min. income ≈ HK$53,896/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$377,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,578
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$28,435
−HK$872/mo
Today · 4.125%
HK$29,307
baseline
▲ 0.50% · 4.625%
HK$31,090
+HK$1,783/mo
Deposit HK$4.03M · loan HK$6.05M · min. income ≈ HK$58,614/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$377,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,680
−HK$1,657/mo
▼ 0.25% · 3.875%
HK$31,503
−HK$834/mo
Today · 4.125%
HK$32,337
baseline
▲ 0.50% · 4.625%
HK$34,042
+HK$1,705/mo
Deposit HK$4.03M · loan HK$6.05M · min. income ≈ HK$64,674/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$377,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,174
−HK$2,017/mo
▼ 0.25% · 3.875%
HK$33,175
−HK$1,016/mo
Today · 4.125%
HK$34,191
baseline
▲ 0.50% · 4.625%
HK$36,272
+HK$2,081/mo
Deposit HK$3.02M · loan HK$7.05M · min. income ≈ HK$68,382/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$377,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,793
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$36,753
−HK$974/mo
Today · 4.125%
HK$37,727
baseline
▲ 0.50% · 4.625%
HK$39,716
+HK$1,989/mo
Deposit HK$3.02M · loan HK$7.05M · min. income ≈ HK$75,454/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$377,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,366
−HK$2,594/mo
▼ 0.25% · 3.875%
HK$42,653
−HK$1,307/mo
Today · 4.125%
HK$43,960
baseline
▲ 0.50% · 4.625%
HK$46,635
+HK$2,675/mo
Deposit HK$1.01M · loan HK$9.07M · min. income ≈ HK$87,920/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$377,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,020
−HK$2,486/mo
▼ 0.25% · 3.875%
HK$47,254
−HK$1,252/mo
Today · 4.125%
HK$48,506
baseline
▲ 0.50% · 4.625%
HK$51,063
+HK$2,557/mo
Deposit HK$1.01M · loan HK$9.07M · min. income ≈ HK$97,012/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$377,840 · Scale 2, in force from 26 Feb 2026)