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$22,979
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$23,693
−HK$726/mo
Today · 4.125%
HK$24,419
baseline
▲ 0.50% · 4.625%
HK$25,905
+HK$1,486/mo
Deposit HK$5.04M · loan HK$5.04M · min. income ≈ HK$48,838/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$377,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,563
−HK$1,381/mo
▼ 0.25% · 3.875%
HK$26,249
−HK$695/mo
Today · 4.125%
HK$26,944
baseline
▲ 0.50% · 4.625%
HK$28,365
+HK$1,421/mo
Deposit HK$5.04M · loan HK$5.04M · min. income ≈ HK$53,888/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$377,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,574
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$28,432
−HK$871/mo
Today · 4.125%
HK$29,303
baseline
▲ 0.50% · 4.625%
HK$31,086
+HK$1,783/mo
Deposit HK$4.03M · loan HK$6.05M · min. income ≈ HK$58,606/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$377,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,676
−HK$1,657/mo
▼ 0.25% · 3.875%
HK$31,499
−HK$834/mo
Today · 4.125%
HK$32,333
baseline
▲ 0.50% · 4.625%
HK$34,038
+HK$1,705/mo
Deposit HK$4.03M · loan HK$6.05M · min. income ≈ HK$64,666/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$377,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,170
−HK$2,017/mo
▼ 0.25% · 3.875%
HK$33,171
−HK$1,016/mo
Today · 4.125%
HK$34,187
baseline
▲ 0.50% · 4.625%
HK$36,267
+HK$2,080/mo
Deposit HK$3.02M · loan HK$7.05M · min. income ≈ HK$68,374/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$377,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,789
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$36,749
−HK$973/mo
Today · 4.125%
HK$37,722
baseline
▲ 0.50% · 4.625%
HK$39,711
+HK$1,989/mo
Deposit HK$3.02M · loan HK$7.05M · min. income ≈ HK$75,444/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$377,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,361
−HK$2,594/mo
▼ 0.25% · 3.875%
HK$42,648
−HK$1,307/mo
Today · 4.125%
HK$43,955
baseline
▲ 0.50% · 4.625%
HK$46,630
+HK$2,675/mo
Deposit HK$1.01M · loan HK$9.07M · min. income ≈ HK$87,910/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$377,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,014
−HK$2,486/mo
▼ 0.25% · 3.875%
HK$47,248
−HK$1,252/mo
Today · 4.125%
HK$48,500
baseline
▲ 0.50% · 4.625%
HK$51,057
+HK$2,557/mo
Deposit HK$1.01M · loan HK$9.07M · min. income ≈ HK$97,000/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$377,717 · Scale 2, in force from 26 Feb 2026)