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$22,998
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$23,713
−HK$727/mo
Today · 4.125%
HK$24,440
baseline
▲ 0.50% · 4.625%
HK$25,927
+HK$1,487/mo
Deposit HK$5.04M · loan HK$5.04M · min. income ≈ HK$48,880/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$378,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,585
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$26,271
−HK$696/mo
Today · 4.125%
HK$26,967
baseline
▲ 0.50% · 4.625%
HK$28,389
+HK$1,422/mo
Deposit HK$5.04M · loan HK$5.04M · min. income ≈ HK$53,934/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$378,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,597
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$28,456
−HK$872/mo
Today · 4.125%
HK$29,328
baseline
▲ 0.50% · 4.625%
HK$31,113
+HK$1,785/mo
Deposit HK$4.03M · loan HK$6.05M · min. income ≈ HK$58,656/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$378,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,702
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$31,525
−HK$836/mo
Today · 4.125%
HK$32,361
baseline
▲ 0.50% · 4.625%
HK$34,066
+HK$1,705/mo
Deposit HK$4.03M · loan HK$6.05M · min. income ≈ HK$64,722/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$378,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,197
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$33,199
−HK$1,017/mo
Today · 4.125%
HK$34,216
baseline
▲ 0.50% · 4.625%
HK$36,298
+HK$2,082/mo
Deposit HK$3.03M · loan HK$7.06M · min. income ≈ HK$68,432/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$378,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,819
−HK$1,935/mo
▼ 0.25% · 3.875%
HK$36,779
−HK$975/mo
Today · 4.125%
HK$37,754
baseline
▲ 0.50% · 4.625%
HK$39,744
+HK$1,990/mo
Deposit HK$3.03M · loan HK$7.06M · min. income ≈ HK$75,508/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$378,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,396
−HK$2,596/mo
▼ 0.25% · 3.875%
HK$42,684
−HK$1,308/mo
Today · 4.125%
HK$43,992
baseline
▲ 0.50% · 4.625%
HK$46,669
+HK$2,677/mo
Deposit HK$1.01M · loan HK$9.08M · min. income ≈ HK$87,984/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,053
−HK$2,488/mo
▼ 0.25% · 3.875%
HK$47,288
−HK$1,253/mo
Today · 4.125%
HK$48,541
baseline
▲ 0.50% · 4.625%
HK$51,100
+HK$2,559/mo
Deposit HK$1.01M · loan HK$9.08M · min. income ≈ HK$97,082/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,212 · Scale 2, in force from 26 Feb 2026)