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$22,983
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$23,698
−HK$726/mo
Today · 4.125%
HK$24,424
baseline
▲ 0.50% · 4.625%
HK$25,910
+HK$1,486/mo
Deposit HK$5.04M · loan HK$5.04M · min. income ≈ HK$48,848/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$377,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,568
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$26,254
−HK$696/mo
Today · 4.125%
HK$26,950
baseline
▲ 0.50% · 4.625%
HK$28,370
+HK$1,420/mo
Deposit HK$5.04M · loan HK$5.04M · min. income ≈ HK$53,900/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$377,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,579
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$28,437
−HK$872/mo
Today · 4.125%
HK$29,309
baseline
▲ 0.50% · 4.625%
HK$31,092
+HK$1,783/mo
Deposit HK$4.03M · loan HK$6.05M · min. income ≈ HK$58,618/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$377,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,682
−HK$1,657/mo
▼ 0.25% · 3.875%
HK$31,505
−HK$834/mo
Today · 4.125%
HK$32,339
baseline
▲ 0.50% · 4.625%
HK$34,044
+HK$1,705/mo
Deposit HK$4.03M · loan HK$6.05M · min. income ≈ HK$64,678/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$377,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,176
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$33,177
−HK$1,017/mo
Today · 4.125%
HK$34,194
baseline
▲ 0.50% · 4.625%
HK$36,274
+HK$2,080/mo
Deposit HK$3.02M · loan HK$7.06M · min. income ≈ HK$68,388/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$377,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,795
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$36,755
−HK$974/mo
Today · 4.125%
HK$37,729
baseline
▲ 0.50% · 4.625%
HK$39,718
+HK$1,989/mo
Deposit HK$3.02M · loan HK$7.06M · min. income ≈ HK$75,458/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$377,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,369
−HK$2,594/mo
▼ 0.25% · 3.875%
HK$42,656
−HK$1,307/mo
Today · 4.125%
HK$43,963
baseline
▲ 0.50% · 4.625%
HK$46,638
+HK$2,675/mo
Deposit HK$1.01M · loan HK$9.07M · min. income ≈ HK$87,926/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$377,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,023
−HK$2,486/mo
▼ 0.25% · 3.875%
HK$47,257
−HK$1,252/mo
Today · 4.125%
HK$48,509
baseline
▲ 0.50% · 4.625%
HK$51,066
+HK$2,557/mo
Deposit HK$1.01M · loan HK$9.07M · min. income ≈ HK$97,018/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$377,907 · Scale 2, in force from 26 Feb 2026)