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$22,928
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$23,641
−HK$724/mo
Today · 4.125%
HK$24,365
baseline
▲ 0.50% · 4.625%
HK$25,848
+HK$1,483/mo
Deposit HK$5.03M · loan HK$5.03M · min. income ≈ HK$48,730/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$375,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,507
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$26,191
−HK$694/mo
Today · 4.125%
HK$26,885
baseline
▲ 0.50% · 4.625%
HK$28,302
+HK$1,417/mo
Deposit HK$5.03M · loan HK$5.03M · min. income ≈ HK$53,770/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$375,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,513
−HK$1,725/mo
▼ 0.25% · 3.875%
HK$28,369
−HK$869/mo
Today · 4.125%
HK$29,238
baseline
▲ 0.50% · 4.625%
HK$31,018
+HK$1,780/mo
Deposit HK$4.02M · loan HK$6.03M · min. income ≈ HK$58,476/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$375,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,608
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$31,429
−HK$833/mo
Today · 4.125%
HK$32,262
baseline
▲ 0.50% · 4.625%
HK$33,962
+HK$1,700/mo
Deposit HK$4.02M · loan HK$6.03M · min. income ≈ HK$64,524/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$375,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,099
−HK$2,012/mo
▼ 0.25% · 3.875%
HK$33,097
−HK$1,014/mo
Today · 4.125%
HK$34,111
baseline
▲ 0.50% · 4.625%
HK$36,187
+HK$2,076/mo
Deposit HK$3.02M · loan HK$7.04M · min. income ≈ HK$68,222/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$375,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,709
−HK$1,930/mo
▼ 0.25% · 3.875%
HK$36,667
−HK$972/mo
Today · 4.125%
HK$37,639
baseline
▲ 0.50% · 4.625%
HK$39,623
+HK$1,984/mo
Deposit HK$3.02M · loan HK$7.04M · min. income ≈ HK$75,278/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$375,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,270
−HK$2,588/mo
▼ 0.25% · 3.875%
HK$42,553
−HK$1,305/mo
Today · 4.125%
HK$43,858
baseline
▲ 0.50% · 4.625%
HK$46,526
+HK$2,668/mo
Deposit HK$1.01M · loan HK$9.05M · min. income ≈ HK$87,716/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$375,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,912
−HK$2,481/mo
▼ 0.25% · 3.875%
HK$47,143
−HK$1,250/mo
Today · 4.125%
HK$48,393
baseline
▲ 0.50% · 4.625%
HK$50,943
+HK$2,550/mo
Deposit HK$1.01M · loan HK$9.05M · min. income ≈ HK$96,786/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$375,483 · Scale 2, in force from 26 Feb 2026)