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$22,923
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$23,636
−HK$724/mo
Today · 4.125%
HK$24,360
baseline
▲ 0.50% · 4.625%
HK$25,842
+HK$1,482/mo
Deposit HK$5.03M · loan HK$5.03M · min. income ≈ HK$48,720/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$375,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,501
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$26,185
−HK$694/mo
Today · 4.125%
HK$26,879
baseline
▲ 0.50% · 4.625%
HK$28,296
+HK$1,417/mo
Deposit HK$5.03M · loan HK$5.03M · min. income ≈ HK$53,758/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$375,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,507
−HK$1,725/mo
▼ 0.25% · 3.875%
HK$28,363
−HK$869/mo
Today · 4.125%
HK$29,232
baseline
▲ 0.50% · 4.625%
HK$31,011
+HK$1,779/mo
Deposit HK$4.02M · loan HK$6.03M · min. income ≈ HK$58,464/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$375,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,602
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$31,422
−HK$833/mo
Today · 4.125%
HK$32,255
baseline
▲ 0.50% · 4.625%
HK$33,955
+HK$1,700/mo
Deposit HK$4.02M · loan HK$6.03M · min. income ≈ HK$64,510/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$375,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,092
−HK$2,012/mo
▼ 0.25% · 3.875%
HK$33,090
−HK$1,014/mo
Today · 4.125%
HK$34,104
baseline
▲ 0.50% · 4.625%
HK$36,179
+HK$2,075/mo
Deposit HK$3.02M · loan HK$7.04M · min. income ≈ HK$68,208/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$375,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,702
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$36,659
−HK$972/mo
Today · 4.125%
HK$37,631
baseline
▲ 0.50% · 4.625%
HK$39,614
+HK$1,983/mo
Deposit HK$3.02M · loan HK$7.04M · min. income ≈ HK$75,262/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$375,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,261
−HK$2,587/mo
▼ 0.25% · 3.875%
HK$42,544
−HK$1,304/mo
Today · 4.125%
HK$43,848
baseline
▲ 0.50% · 4.625%
HK$46,516
+HK$2,668/mo
Deposit HK$1.01M · loan HK$9.05M · min. income ≈ HK$87,696/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$375,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,902
−HK$2,480/mo
▼ 0.25% · 3.875%
HK$47,134
−HK$1,248/mo
Today · 4.125%
HK$48,382
baseline
▲ 0.50% · 4.625%
HK$50,933
+HK$2,551/mo
Deposit HK$1.01M · loan HK$9.05M · min. income ≈ HK$96,764/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$375,272 · Scale 2, in force from 26 Feb 2026)