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$22,927
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$23,640
−HK$724/mo
Today · 4.125%
HK$24,364
baseline
▲ 0.50% · 4.625%
HK$25,847
+HK$1,483/mo
Deposit HK$5.03M · loan HK$5.03M · min. income ≈ HK$48,728/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$375,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,506
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$26,190
−HK$694/mo
Today · 4.125%
HK$26,884
baseline
▲ 0.50% · 4.625%
HK$28,301
+HK$1,417/mo
Deposit HK$5.03M · loan HK$5.03M · min. income ≈ HK$53,768/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$375,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,512
−HK$1,725/mo
▼ 0.25% · 3.875%
HK$28,368
−HK$869/mo
Today · 4.125%
HK$29,237
baseline
▲ 0.50% · 4.625%
HK$31,016
+HK$1,779/mo
Deposit HK$4.02M · loan HK$6.03M · min. income ≈ HK$58,474/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$375,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,607
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$31,428
−HK$832/mo
Today · 4.125%
HK$32,260
baseline
▲ 0.50% · 4.625%
HK$33,961
+HK$1,701/mo
Deposit HK$4.02M · loan HK$6.03M · min. income ≈ HK$64,520/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$375,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,097
−HK$2,013/mo
▼ 0.25% · 3.875%
HK$33,096
−HK$1,014/mo
Today · 4.125%
HK$34,110
baseline
▲ 0.50% · 4.625%
HK$36,186
+HK$2,076/mo
Deposit HK$3.02M · loan HK$7.04M · min. income ≈ HK$68,220/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$375,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,708
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$36,666
−HK$971/mo
Today · 4.125%
HK$37,637
baseline
▲ 0.50% · 4.625%
HK$39,621
+HK$1,984/mo
Deposit HK$3.02M · loan HK$7.04M · min. income ≈ HK$75,274/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$375,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,268
−HK$2,588/mo
▼ 0.25% · 3.875%
HK$42,552
−HK$1,304/mo
Today · 4.125%
HK$43,856
baseline
▲ 0.50% · 4.625%
HK$46,524
+HK$2,668/mo
Deposit HK$1.01M · loan HK$9.05M · min. income ≈ HK$87,712/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$375,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,910
−HK$2,481/mo
▼ 0.25% · 3.875%
HK$47,142
−HK$1,249/mo
Today · 4.125%
HK$48,391
baseline
▲ 0.50% · 4.625%
HK$50,941
+HK$2,550/mo
Deposit HK$1.01M · loan HK$9.05M · min. income ≈ HK$96,782/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$375,445 · Scale 2, in force from 26 Feb 2026)