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$22,938
−HK$1,439/mo
▼ 0.25% · 3.875%
HK$23,652
−HK$725/mo
Today · 4.125%
HK$24,377
baseline
▲ 0.50% · 4.625%
HK$25,860
+HK$1,483/mo
Deposit HK$5.03M · loan HK$5.03M · min. income ≈ HK$48,754/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$375,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,519
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$26,203
−HK$694/mo
Today · 4.125%
HK$26,897
baseline
▲ 0.50% · 4.625%
HK$28,315
+HK$1,418/mo
Deposit HK$5.03M · loan HK$5.03M · min. income ≈ HK$53,794/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$375,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,526
−HK$1,726/mo
▼ 0.25% · 3.875%
HK$28,382
−HK$870/mo
Today · 4.125%
HK$29,252
baseline
▲ 0.50% · 4.625%
HK$31,032
+HK$1,780/mo
Deposit HK$4.02M · loan HK$6.04M · min. income ≈ HK$58,504/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$375,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,622
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$31,444
−HK$833/mo
Today · 4.125%
HK$32,277
baseline
▲ 0.50% · 4.625%
HK$33,978
+HK$1,701/mo
Deposit HK$4.02M · loan HK$6.04M · min. income ≈ HK$64,554/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$375,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,114
−HK$2,013/mo
▼ 0.25% · 3.875%
HK$33,112
−HK$1,015/mo
Today · 4.125%
HK$34,127
baseline
▲ 0.50% · 4.625%
HK$36,204
+HK$2,077/mo
Deposit HK$3.02M · loan HK$7.04M · min. income ≈ HK$68,254/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$375,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,726
−HK$1,930/mo
▼ 0.25% · 3.875%
HK$36,684
−HK$972/mo
Today · 4.125%
HK$37,656
baseline
▲ 0.50% · 4.625%
HK$39,641
+HK$1,985/mo
Deposit HK$3.02M · loan HK$7.04M · min. income ≈ HK$75,312/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$375,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,289
−HK$2,589/mo
▼ 0.25% · 3.875%
HK$42,573
−HK$1,305/mo
Today · 4.125%
HK$43,878
baseline
▲ 0.50% · 4.625%
HK$46,548
+HK$2,670/mo
Deposit HK$1.01M · loan HK$9.05M · min. income ≈ HK$87,756/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$375,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,933
−HK$2,482/mo
▼ 0.25% · 3.875%
HK$47,165
−HK$1,250/mo
Today · 4.125%
HK$48,415
baseline
▲ 0.50% · 4.625%
HK$50,967
+HK$2,552/mo
Deposit HK$1.01M · loan HK$9.05M · min. income ≈ HK$96,830/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$375,950 · Scale 2, in force from 26 Feb 2026)