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$22,993
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$23,708
−HK$726/mo
Today · 4.125%
HK$24,434
baseline
▲ 0.50% · 4.625%
HK$25,921
+HK$1,487/mo
Deposit HK$5.04M · loan HK$5.04M · min. income ≈ HK$48,868/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$378,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,579
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$26,265
−HK$696/mo
Today · 4.125%
HK$26,961
baseline
▲ 0.50% · 4.625%
HK$28,382
+HK$1,421/mo
Deposit HK$5.04M · loan HK$5.04M · min. income ≈ HK$53,922/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$378,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,591
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$28,449
−HK$872/mo
Today · 4.125%
HK$29,321
baseline
▲ 0.50% · 4.625%
HK$31,105
+HK$1,784/mo
Deposit HK$4.03M · loan HK$6.05M · min. income ≈ HK$58,642/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$378,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,695
−HK$1,658/mo
▼ 0.25% · 3.875%
HK$31,518
−HK$835/mo
Today · 4.125%
HK$32,353
baseline
▲ 0.50% · 4.625%
HK$34,058
+HK$1,705/mo
Deposit HK$4.03M · loan HK$6.05M · min. income ≈ HK$64,706/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$378,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,190
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$33,191
−HK$1,017/mo
Today · 4.125%
HK$34,208
baseline
▲ 0.50% · 4.625%
HK$36,290
+HK$2,082/mo
Deposit HK$3.02M · loan HK$7.06M · min. income ≈ HK$68,416/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$378,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,811
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$36,771
−HK$974/mo
Today · 4.125%
HK$37,745
baseline
▲ 0.50% · 4.625%
HK$39,735
+HK$1,990/mo
Deposit HK$3.02M · loan HK$7.06M · min. income ≈ HK$75,490/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$378,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,387
−HK$2,595/mo
▼ 0.25% · 3.875%
HK$42,674
−HK$1,308/mo
Today · 4.125%
HK$43,982
baseline
▲ 0.50% · 4.625%
HK$46,658
+HK$2,676/mo
Deposit HK$1.01M · loan HK$9.07M · min. income ≈ HK$87,964/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,042
−HK$2,488/mo
▼ 0.25% · 3.875%
HK$47,277
−HK$1,253/mo
Today · 4.125%
HK$48,530
baseline
▲ 0.50% · 4.625%
HK$51,088
+HK$2,558/mo
Deposit HK$1.01M · loan HK$9.07M · min. income ≈ HK$97,060/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,124 · Scale 2, in force from 26 Feb 2026)