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$22,936
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$23,649
−HK$725/mo
Today · 4.125%
HK$24,374
baseline
▲ 0.50% · 4.625%
HK$25,857
+HK$1,483/mo
Deposit HK$5.03M · loan HK$5.03M · min. income ≈ HK$48,748/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$375,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,516
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$26,200
−HK$694/mo
Today · 4.125%
HK$26,894
baseline
▲ 0.50% · 4.625%
HK$28,312
+HK$1,418/mo
Deposit HK$5.03M · loan HK$5.03M · min. income ≈ HK$53,788/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$375,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,523
−HK$1,726/mo
▼ 0.25% · 3.875%
HK$28,379
−HK$870/mo
Today · 4.125%
HK$29,249
baseline
▲ 0.50% · 4.625%
HK$31,028
+HK$1,779/mo
Deposit HK$4.02M · loan HK$6.04M · min. income ≈ HK$58,498/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$375,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,619
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$31,440
−HK$833/mo
Today · 4.125%
HK$32,273
baseline
▲ 0.50% · 4.625%
HK$33,974
+HK$1,701/mo
Deposit HK$4.02M · loan HK$6.04M · min. income ≈ HK$64,546/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$375,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,110
−HK$2,013/mo
▼ 0.25% · 3.875%
HK$33,109
−HK$1,014/mo
Today · 4.125%
HK$34,123
baseline
▲ 0.50% · 4.625%
HK$36,200
+HK$2,077/mo
Deposit HK$3.02M · loan HK$7.04M · min. income ≈ HK$68,246/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$375,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,722
−HK$1,930/mo
▼ 0.25% · 3.875%
HK$36,680
−HK$972/mo
Today · 4.125%
HK$37,652
baseline
▲ 0.50% · 4.625%
HK$39,637
+HK$1,985/mo
Deposit HK$3.02M · loan HK$7.04M · min. income ≈ HK$75,304/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$375,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,284
−HK$2,589/mo
▼ 0.25% · 3.875%
HK$42,568
−HK$1,305/mo
Today · 4.125%
HK$43,873
baseline
▲ 0.50% · 4.625%
HK$46,543
+HK$2,670/mo
Deposit HK$1.01M · loan HK$9.05M · min. income ≈ HK$87,746/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$375,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,928
−HK$2,482/mo
▼ 0.25% · 3.875%
HK$47,160
−HK$1,250/mo
Today · 4.125%
HK$48,410
baseline
▲ 0.50% · 4.625%
HK$50,961
+HK$2,551/mo
Deposit HK$1.01M · loan HK$9.05M · min. income ≈ HK$96,820/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$375,835 · Scale 2, in force from 26 Feb 2026)