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$22,947
−HK$1,439/mo
▼ 0.25% · 3.875%
HK$23,661
−HK$725/mo
Today · 4.125%
HK$24,386
baseline
▲ 0.50% · 4.625%
HK$25,870
+HK$1,484/mo
Deposit HK$5.03M · loan HK$5.03M · min. income ≈ HK$48,772/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$376,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,528
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$26,213
−HK$695/mo
Today · 4.125%
HK$26,908
baseline
▲ 0.50% · 4.625%
HK$28,326
+HK$1,418/mo
Deposit HK$5.03M · loan HK$5.03M · min. income ≈ HK$53,816/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$376,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,537
−HK$1,726/mo
▼ 0.25% · 3.875%
HK$28,393
−HK$870/mo
Today · 4.125%
HK$29,263
baseline
▲ 0.50% · 4.625%
HK$31,044
+HK$1,781/mo
Deposit HK$4.03M · loan HK$6.04M · min. income ≈ HK$58,526/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$376,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,634
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$31,456
−HK$833/mo
Today · 4.125%
HK$32,289
baseline
▲ 0.50% · 4.625%
HK$33,991
+HK$1,702/mo
Deposit HK$4.03M · loan HK$6.04M · min. income ≈ HK$64,578/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$376,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,126
−HK$2,015/mo
▼ 0.25% · 3.875%
HK$33,125
−HK$1,016/mo
Today · 4.125%
HK$34,141
baseline
▲ 0.50% · 4.625%
HK$36,218
+HK$2,077/mo
Deposit HK$3.02M · loan HK$7.04M · min. income ≈ HK$68,282/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$376,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,740
−HK$1,931/mo
▼ 0.25% · 3.875%
HK$36,698
−HK$973/mo
Today · 4.125%
HK$37,671
baseline
▲ 0.50% · 4.625%
HK$39,656
+HK$1,985/mo
Deposit HK$3.02M · loan HK$7.04M · min. income ≈ HK$75,342/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$376,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,305
−HK$2,590/mo
▼ 0.25% · 3.875%
HK$42,590
−HK$1,305/mo
Today · 4.125%
HK$43,895
baseline
▲ 0.50% · 4.625%
HK$46,566
+HK$2,671/mo
Deposit HK$1.01M · loan HK$9.06M · min. income ≈ HK$87,790/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$376,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,951
−HK$2,483/mo
▼ 0.25% · 3.875%
HK$47,184
−HK$1,250/mo
Today · 4.125%
HK$48,434
baseline
▲ 0.50% · 4.625%
HK$50,987
+HK$2,553/mo
Deposit HK$1.01M · loan HK$9.06M · min. income ≈ HK$96,868/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$376,341 · Scale 2, in force from 26 Feb 2026)