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$23,004
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$23,719
−HK$727/mo
Today · 4.125%
HK$24,446
baseline
▲ 0.50% · 4.625%
HK$25,934
+HK$1,488/mo
Deposit HK$5.04M · loan HK$5.04M · min. income ≈ HK$48,892/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$378,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,591
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$26,278
−HK$696/mo
Today · 4.125%
HK$26,974
baseline
▲ 0.50% · 4.625%
HK$28,396
+HK$1,422/mo
Deposit HK$5.04M · loan HK$5.04M · min. income ≈ HK$53,948/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$378,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,604
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$28,463
−HK$872/mo
Today · 4.125%
HK$29,335
baseline
▲ 0.50% · 4.625%
HK$31,120
+HK$1,785/mo
Deposit HK$4.04M · loan HK$6.05M · min. income ≈ HK$58,670/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$378,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,710
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$31,533
−HK$836/mo
Today · 4.125%
HK$32,369
baseline
▲ 0.50% · 4.625%
HK$34,075
+HK$1,706/mo
Deposit HK$4.04M · loan HK$6.05M · min. income ≈ HK$64,738/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$378,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,205
−HK$2,020/mo
▼ 0.25% · 3.875%
HK$33,207
−HK$1,018/mo
Today · 4.125%
HK$34,225
baseline
▲ 0.50% · 4.625%
HK$36,307
+HK$2,082/mo
Deposit HK$3.03M · loan HK$7.06M · min. income ≈ HK$68,450/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$378,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,828
−HK$1,936/mo
▼ 0.25% · 3.875%
HK$36,789
−HK$975/mo
Today · 4.125%
HK$37,764
baseline
▲ 0.50% · 4.625%
HK$39,754
+HK$1,990/mo
Deposit HK$3.03M · loan HK$7.06M · min. income ≈ HK$75,528/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$378,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,407
−HK$2,596/mo
▼ 0.25% · 3.875%
HK$42,695
−HK$1,308/mo
Today · 4.125%
HK$44,003
baseline
▲ 0.50% · 4.625%
HK$46,681
+HK$2,678/mo
Deposit HK$1.01M · loan HK$9.08M · min. income ≈ HK$88,006/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,064
−HK$2,489/mo
▼ 0.25% · 3.875%
HK$47,300
−HK$1,253/mo
Today · 4.125%
HK$48,553
baseline
▲ 0.50% · 4.625%
HK$51,112
+HK$2,559/mo
Deposit HK$1.01M · loan HK$9.08M · min. income ≈ HK$97,106/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,307 · Scale 2, in force from 26 Feb 2026)