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$22,969
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$23,684
−HK$726/mo
Today · 4.125%
HK$24,410
baseline
▲ 0.50% · 4.625%
HK$25,895
+HK$1,485/mo
Deposit HK$5.04M · loan HK$5.04M · min. income ≈ HK$48,820/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$377,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,553
−HK$1,381/mo
▼ 0.25% · 3.875%
HK$26,238
−HK$696/mo
Today · 4.125%
HK$26,934
baseline
▲ 0.50% · 4.625%
HK$28,353
+HK$1,419/mo
Deposit HK$5.04M · loan HK$5.04M · min. income ≈ HK$53,868/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$377,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,563
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$28,421
−HK$871/mo
Today · 4.125%
HK$29,292
baseline
▲ 0.50% · 4.625%
HK$31,074
+HK$1,782/mo
Deposit HK$4.03M · loan HK$6.04M · min. income ≈ HK$58,584/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$377,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,664
−HK$1,656/mo
▼ 0.25% · 3.875%
HK$31,486
−HK$834/mo
Today · 4.125%
HK$32,320
baseline
▲ 0.50% · 4.625%
HK$34,024
+HK$1,704/mo
Deposit HK$4.03M · loan HK$6.04M · min. income ≈ HK$64,640/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$377,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,157
−HK$2,017/mo
▼ 0.25% · 3.875%
HK$33,157
−HK$1,017/mo
Today · 4.125%
HK$34,174
baseline
▲ 0.50% · 4.625%
HK$36,253
+HK$2,079/mo
Deposit HK$3.02M · loan HK$7.05M · min. income ≈ HK$68,348/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$377,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,774
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$36,734
−HK$973/mo
Today · 4.125%
HK$37,707
baseline
▲ 0.50% · 4.625%
HK$39,695
+HK$1,988/mo
Deposit HK$3.02M · loan HK$7.05M · min. income ≈ HK$75,414/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$377,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,345
−HK$2,592/mo
▼ 0.25% · 3.875%
HK$42,631
−HK$1,306/mo
Today · 4.125%
HK$43,937
baseline
▲ 0.50% · 4.625%
HK$46,611
+HK$2,674/mo
Deposit HK$1.01M · loan HK$9.07M · min. income ≈ HK$87,874/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$377,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,996
−HK$2,485/mo
▼ 0.25% · 3.875%
HK$47,229
−HK$1,252/mo
Today · 4.125%
HK$48,481
baseline
▲ 0.50% · 4.625%
HK$51,036
+HK$2,555/mo
Deposit HK$1.01M · loan HK$9.07M · min. income ≈ HK$96,962/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$377,312 · Scale 2, in force from 26 Feb 2026)