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$22,934
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$23,647
−HK$725/mo
Today · 4.125%
HK$24,372
baseline
▲ 0.50% · 4.625%
HK$25,855
+HK$1,483/mo
Deposit HK$5.03M · loan HK$5.03M · min. income ≈ HK$48,744/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$375,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,514
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$26,198
−HK$694/mo
Today · 4.125%
HK$26,892
baseline
▲ 0.50% · 4.625%
HK$28,310
+HK$1,418/mo
Deposit HK$5.03M · loan HK$5.03M · min. income ≈ HK$53,784/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$375,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,521
−HK$1,726/mo
▼ 0.25% · 3.875%
HK$28,377
−HK$870/mo
Today · 4.125%
HK$29,247
baseline
▲ 0.50% · 4.625%
HK$31,026
+HK$1,779/mo
Deposit HK$4.02M · loan HK$6.03M · min. income ≈ HK$58,494/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$375,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,617
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$31,438
−HK$833/mo
Today · 4.125%
HK$32,271
baseline
▲ 0.50% · 4.625%
HK$33,972
+HK$1,701/mo
Deposit HK$4.02M · loan HK$6.03M · min. income ≈ HK$64,542/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$375,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,107
−HK$2,014/mo
▼ 0.25% · 3.875%
HK$33,106
−HK$1,015/mo
Today · 4.125%
HK$34,121
baseline
▲ 0.50% · 4.625%
HK$36,197
+HK$2,076/mo
Deposit HK$3.02M · loan HK$7.04M · min. income ≈ HK$68,242/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$375,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,719
−HK$1,930/mo
▼ 0.25% · 3.875%
HK$36,677
−HK$972/mo
Today · 4.125%
HK$37,649
baseline
▲ 0.50% · 4.625%
HK$39,634
+HK$1,985/mo
Deposit HK$3.02M · loan HK$7.04M · min. income ≈ HK$75,298/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$375,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,281
−HK$2,589/mo
▼ 0.25% · 3.875%
HK$42,565
−HK$1,305/mo
Today · 4.125%
HK$43,870
baseline
▲ 0.50% · 4.625%
HK$46,539
+HK$2,669/mo
Deposit HK$1.01M · loan HK$9.05M · min. income ≈ HK$87,740/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$375,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,925
−HK$2,481/mo
▼ 0.25% · 3.875%
HK$47,156
−HK$1,250/mo
Today · 4.125%
HK$48,406
baseline
▲ 0.50% · 4.625%
HK$50,957
+HK$2,551/mo
Deposit HK$1.01M · loan HK$9.05M · min. income ≈ HK$96,812/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$375,761 · Scale 2, in force from 26 Feb 2026)