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$22,933
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$23,646
−HK$725/mo
Today · 4.125%
HK$24,371
baseline
▲ 0.50% · 4.625%
HK$25,854
+HK$1,483/mo
Deposit HK$5.03M · loan HK$5.03M · min. income ≈ HK$48,742/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$375,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,513
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$26,197
−HK$694/mo
Today · 4.125%
HK$26,891
baseline
▲ 0.50% · 4.625%
HK$28,309
+HK$1,418/mo
Deposit HK$5.03M · loan HK$5.03M · min. income ≈ HK$53,782/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$375,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,520
−HK$1,725/mo
▼ 0.25% · 3.875%
HK$28,376
−HK$869/mo
Today · 4.125%
HK$29,245
baseline
▲ 0.50% · 4.625%
HK$31,025
+HK$1,780/mo
Deposit HK$4.02M · loan HK$6.03M · min. income ≈ HK$58,490/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$375,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,615
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$31,437
−HK$832/mo
Today · 4.125%
HK$32,269
baseline
▲ 0.50% · 4.625%
HK$33,970
+HK$1,701/mo
Deposit HK$4.02M · loan HK$6.03M · min. income ≈ HK$64,538/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$375,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,106
−HK$2,014/mo
▼ 0.25% · 3.875%
HK$33,105
−HK$1,015/mo
Today · 4.125%
HK$34,120
baseline
▲ 0.50% · 4.625%
HK$36,196
+HK$2,076/mo
Deposit HK$3.02M · loan HK$7.04M · min. income ≈ HK$68,240/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$375,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,718
−HK$1,930/mo
▼ 0.25% · 3.875%
HK$36,676
−HK$972/mo
Today · 4.125%
HK$37,648
baseline
▲ 0.50% · 4.625%
HK$39,632
+HK$1,984/mo
Deposit HK$3.02M · loan HK$7.04M · min. income ≈ HK$75,296/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$375,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,280
−HK$2,588/mo
▼ 0.25% · 3.875%
HK$42,564
−HK$1,304/mo
Today · 4.125%
HK$43,868
baseline
▲ 0.50% · 4.625%
HK$46,537
+HK$2,669/mo
Deposit HK$1.01M · loan HK$9.05M · min. income ≈ HK$87,736/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$375,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,923
−HK$2,481/mo
▼ 0.25% · 3.875%
HK$47,155
−HK$1,249/mo
Today · 4.125%
HK$48,404
baseline
▲ 0.50% · 4.625%
HK$50,956
+HK$2,552/mo
Deposit HK$1.01M · loan HK$9.05M · min. income ≈ HK$96,808/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$375,726 · Scale 2, in force from 26 Feb 2026)