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$22,925
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$23,638
−HK$724/mo
Today · 4.125%
HK$24,362
baseline
▲ 0.50% · 4.625%
HK$25,845
+HK$1,483/mo
Deposit HK$5.03M · loan HK$5.03M · min. income ≈ HK$48,724/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$375,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,503
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$26,187
−HK$694/mo
Today · 4.125%
HK$26,881
baseline
▲ 0.50% · 4.625%
HK$28,298
+HK$1,417/mo
Deposit HK$5.03M · loan HK$5.03M · min. income ≈ HK$53,762/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$375,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,510
−HK$1,725/mo
▼ 0.25% · 3.875%
HK$28,365
−HK$870/mo
Today · 4.125%
HK$29,235
baseline
▲ 0.50% · 4.625%
HK$31,014
+HK$1,779/mo
Deposit HK$4.02M · loan HK$6.03M · min. income ≈ HK$58,470/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$375,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,604
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$31,425
−HK$833/mo
Today · 4.125%
HK$32,258
baseline
▲ 0.50% · 4.625%
HK$33,958
+HK$1,700/mo
Deposit HK$4.02M · loan HK$6.03M · min. income ≈ HK$64,516/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$375,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,094
−HK$2,013/mo
▼ 0.25% · 3.875%
HK$33,093
−HK$1,014/mo
Today · 4.125%
HK$34,107
baseline
▲ 0.50% · 4.625%
HK$36,182
+HK$2,075/mo
Deposit HK$3.02M · loan HK$7.04M · min. income ≈ HK$68,214/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$375,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,705
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$36,662
−HK$972/mo
Today · 4.125%
HK$37,634
baseline
▲ 0.50% · 4.625%
HK$39,618
+HK$1,984/mo
Deposit HK$3.02M · loan HK$7.04M · min. income ≈ HK$75,268/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$375,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,264
−HK$2,588/mo
▼ 0.25% · 3.875%
HK$42,548
−HK$1,304/mo
Today · 4.125%
HK$43,852
baseline
▲ 0.50% · 4.625%
HK$46,520
+HK$2,668/mo
Deposit HK$1.01M · loan HK$9.05M · min. income ≈ HK$87,704/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$375,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,906
−HK$2,480/mo
▼ 0.25% · 3.875%
HK$47,137
−HK$1,249/mo
Today · 4.125%
HK$48,386
baseline
▲ 0.50% · 4.625%
HK$50,937
+HK$2,551/mo
Deposit HK$1.01M · loan HK$9.05M · min. income ≈ HK$96,772/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$375,354 · Scale 2, in force from 26 Feb 2026)