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$22,982
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$23,697
−HK$726/mo
Today · 4.125%
HK$24,423
baseline
▲ 0.50% · 4.625%
HK$25,909
+HK$1,486/mo
Deposit HK$5.04M · loan HK$5.04M · min. income ≈ HK$48,846/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$377,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,567
−HK$1,381/mo
▼ 0.25% · 3.875%
HK$26,253
−HK$695/mo
Today · 4.125%
HK$26,948
baseline
▲ 0.50% · 4.625%
HK$28,369
+HK$1,421/mo
Deposit HK$5.04M · loan HK$5.04M · min. income ≈ HK$53,896/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$377,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,578
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$28,436
−HK$872/mo
Today · 4.125%
HK$29,308
baseline
▲ 0.50% · 4.625%
HK$31,091
+HK$1,783/mo
Deposit HK$4.03M · loan HK$6.05M · min. income ≈ HK$58,616/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$377,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,680
−HK$1,658/mo
▼ 0.25% · 3.875%
HK$31,503
−HK$835/mo
Today · 4.125%
HK$32,338
baseline
▲ 0.50% · 4.625%
HK$34,043
+HK$1,705/mo
Deposit HK$4.03M · loan HK$6.05M · min. income ≈ HK$64,676/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$377,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,174
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$33,175
−HK$1,017/mo
Today · 4.125%
HK$34,192
baseline
▲ 0.50% · 4.625%
HK$36,273
+HK$2,081/mo
Deposit HK$3.02M · loan HK$7.06M · min. income ≈ HK$68,384/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$377,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,794
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$36,754
−HK$974/mo
Today · 4.125%
HK$37,728
baseline
▲ 0.50% · 4.625%
HK$39,716
+HK$1,988/mo
Deposit HK$3.02M · loan HK$7.06M · min. income ≈ HK$75,456/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$377,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,367
−HK$2,594/mo
▼ 0.25% · 3.875%
HK$42,654
−HK$1,307/mo
Today · 4.125%
HK$43,961
baseline
▲ 0.50% · 4.625%
HK$46,636
+HK$2,675/mo
Deposit HK$1.01M · loan HK$9.07M · min. income ≈ HK$87,922/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$377,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,021
−HK$2,486/mo
▼ 0.25% · 3.875%
HK$47,255
−HK$1,252/mo
Today · 4.125%
HK$48,507
baseline
▲ 0.50% · 4.625%
HK$51,064
+HK$2,557/mo
Deposit HK$1.01M · loan HK$9.07M · min. income ≈ HK$97,014/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$377,859 · Scale 2, in force from 26 Feb 2026)