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$22,939
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$23,652
−HK$725/mo
Today · 4.125%
HK$24,377
baseline
▲ 0.50% · 4.625%
HK$25,860
+HK$1,483/mo
Deposit HK$5.03M · loan HK$5.03M · min. income ≈ HK$48,754/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$375,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,519
−HK$1,379/mo
▼ 0.25% · 3.875%
HK$26,203
−HK$695/mo
Today · 4.125%
HK$26,898
baseline
▲ 0.50% · 4.625%
HK$28,315
+HK$1,417/mo
Deposit HK$5.03M · loan HK$5.03M · min. income ≈ HK$53,796/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$375,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,526
−HK$1,726/mo
▼ 0.25% · 3.875%
HK$28,383
−HK$869/mo
Today · 4.125%
HK$29,252
baseline
▲ 0.50% · 4.625%
HK$31,032
+HK$1,780/mo
Deposit HK$4.02M · loan HK$6.04M · min. income ≈ HK$58,504/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$375,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,623
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$31,444
−HK$833/mo
Today · 4.125%
HK$32,277
baseline
▲ 0.50% · 4.625%
HK$33,979
+HK$1,702/mo
Deposit HK$4.02M · loan HK$6.04M · min. income ≈ HK$64,554/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$375,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,114
−HK$2,014/mo
▼ 0.25% · 3.875%
HK$33,113
−HK$1,015/mo
Today · 4.125%
HK$34,128
baseline
▲ 0.50% · 4.625%
HK$36,204
+HK$2,076/mo
Deposit HK$3.02M · loan HK$7.04M · min. income ≈ HK$68,256/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$375,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,727
−HK$1,930/mo
▼ 0.25% · 3.875%
HK$36,685
−HK$972/mo
Today · 4.125%
HK$37,657
baseline
▲ 0.50% · 4.625%
HK$39,642
+HK$1,985/mo
Deposit HK$3.02M · loan HK$7.04M · min. income ≈ HK$75,314/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$375,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,289
−HK$2,590/mo
▼ 0.25% · 3.875%
HK$42,574
−HK$1,305/mo
Today · 4.125%
HK$43,879
baseline
▲ 0.50% · 4.625%
HK$46,549
+HK$2,670/mo
Deposit HK$1.01M · loan HK$9.05M · min. income ≈ HK$87,758/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$375,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,934
−HK$2,482/mo
▼ 0.25% · 3.875%
HK$47,166
−HK$1,250/mo
Today · 4.125%
HK$48,416
baseline
▲ 0.50% · 4.625%
HK$50,968
+HK$2,552/mo
Deposit HK$1.01M · loan HK$9.05M · min. income ≈ HK$96,832/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$375,966 · Scale 2, in force from 26 Feb 2026)