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$22,994
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$23,709
−HK$727/mo
Today · 4.125%
HK$24,436
baseline
▲ 0.50% · 4.625%
HK$25,923
+HK$1,487/mo
Deposit HK$5.04M · loan HK$5.04M · min. income ≈ HK$48,872/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$378,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,581
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$26,267
−HK$696/mo
Today · 4.125%
HK$26,963
baseline
▲ 0.50% · 4.625%
HK$28,384
+HK$1,421/mo
Deposit HK$5.04M · loan HK$5.04M · min. income ≈ HK$53,926/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$378,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,593
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$28,451
−HK$872/mo
Today · 4.125%
HK$29,323
baseline
▲ 0.50% · 4.625%
HK$31,107
+HK$1,784/mo
Deposit HK$4.03M · loan HK$6.05M · min. income ≈ HK$58,646/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$378,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,697
−HK$1,658/mo
▼ 0.25% · 3.875%
HK$31,520
−HK$835/mo
Today · 4.125%
HK$32,355
baseline
▲ 0.50% · 4.625%
HK$34,061
+HK$1,706/mo
Deposit HK$4.03M · loan HK$6.05M · min. income ≈ HK$64,710/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$378,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,191
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$33,193
−HK$1,017/mo
Today · 4.125%
HK$34,210
baseline
▲ 0.50% · 4.625%
HK$36,292
+HK$2,082/mo
Deposit HK$3.03M · loan HK$7.06M · min. income ≈ HK$68,420/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$378,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,813
−HK$1,935/mo
▼ 0.25% · 3.875%
HK$36,773
−HK$975/mo
Today · 4.125%
HK$37,748
baseline
▲ 0.50% · 4.625%
HK$39,737
+HK$1,989/mo
Deposit HK$3.03M · loan HK$7.06M · min. income ≈ HK$75,496/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$378,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,389
−HK$2,596/mo
▼ 0.25% · 3.875%
HK$42,676
−HK$1,309/mo
Today · 4.125%
HK$43,985
baseline
▲ 0.50% · 4.625%
HK$46,661
+HK$2,676/mo
Deposit HK$1.01M · loan HK$9.08M · min. income ≈ HK$87,970/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,045
−HK$2,488/mo
▼ 0.25% · 3.875%
HK$47,280
−HK$1,253/mo
Today · 4.125%
HK$48,533
baseline
▲ 0.50% · 4.625%
HK$51,091
+HK$2,558/mo
Deposit HK$1.01M · loan HK$9.08M · min. income ≈ HK$97,066/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,147 · Scale 2, in force from 26 Feb 2026)