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$22,973
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$23,687
−HK$726/mo
Today · 4.125%
HK$24,413
baseline
▲ 0.50% · 4.625%
HK$25,899
+HK$1,486/mo
Deposit HK$5.04M · loan HK$5.04M · min. income ≈ HK$48,826/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$377,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,557
−HK$1,381/mo
▼ 0.25% · 3.875%
HK$26,242
−HK$696/mo
Today · 4.125%
HK$26,938
baseline
▲ 0.50% · 4.625%
HK$28,358
+HK$1,420/mo
Deposit HK$5.04M · loan HK$5.04M · min. income ≈ HK$53,876/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$377,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,567
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$28,425
−HK$871/mo
Today · 4.125%
HK$29,296
baseline
▲ 0.50% · 4.625%
HK$31,079
+HK$1,783/mo
Deposit HK$4.03M · loan HK$6.04M · min. income ≈ HK$58,592/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$377,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,668
−HK$1,657/mo
▼ 0.25% · 3.875%
HK$31,491
−HK$834/mo
Today · 4.125%
HK$32,325
baseline
▲ 0.50% · 4.625%
HK$34,029
+HK$1,704/mo
Deposit HK$4.03M · loan HK$6.04M · min. income ≈ HK$64,650/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$377,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,162
−HK$2,017/mo
▼ 0.25% · 3.875%
HK$33,162
−HK$1,017/mo
Today · 4.125%
HK$34,179
baseline
▲ 0.50% · 4.625%
HK$36,258
+HK$2,079/mo
Deposit HK$3.02M · loan HK$7.05M · min. income ≈ HK$68,358/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$377,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,780
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$36,739
−HK$974/mo
Today · 4.125%
HK$37,713
baseline
▲ 0.50% · 4.625%
HK$39,701
+HK$1,988/mo
Deposit HK$3.02M · loan HK$7.05M · min. income ≈ HK$75,426/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$377,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,351
−HK$2,593/mo
▼ 0.25% · 3.875%
HK$42,637
−HK$1,307/mo
Today · 4.125%
HK$43,944
baseline
▲ 0.50% · 4.625%
HK$46,618
+HK$2,674/mo
Deposit HK$1.01M · loan HK$9.07M · min. income ≈ HK$87,888/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$377,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,003
−HK$2,485/mo
▼ 0.25% · 3.875%
HK$47,236
−HK$1,252/mo
Today · 4.125%
HK$48,488
baseline
▲ 0.50% · 4.625%
HK$51,044
+HK$2,556/mo
Deposit HK$1.01M · loan HK$9.07M · min. income ≈ HK$96,976/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$377,465 · Scale 2, in force from 26 Feb 2026)