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$22,980
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$23,695
−HK$726/mo
Today · 4.125%
HK$24,421
baseline
▲ 0.50% · 4.625%
HK$25,907
+HK$1,486/mo
Deposit HK$5.04M · loan HK$5.04M · min. income ≈ HK$48,842/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$377,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,565
−HK$1,381/mo
▼ 0.25% · 3.875%
HK$26,251
−HK$695/mo
Today · 4.125%
HK$26,946
baseline
▲ 0.50% · 4.625%
HK$28,366
+HK$1,420/mo
Deposit HK$5.04M · loan HK$5.04M · min. income ≈ HK$53,892/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$377,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,576
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$28,434
−HK$871/mo
Today · 4.125%
HK$29,305
baseline
▲ 0.50% · 4.625%
HK$31,088
+HK$1,783/mo
Deposit HK$4.03M · loan HK$6.05M · min. income ≈ HK$58,610/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$377,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,678
−HK$1,657/mo
▼ 0.25% · 3.875%
HK$31,501
−HK$834/mo
Today · 4.125%
HK$32,335
baseline
▲ 0.50% · 4.625%
HK$34,040
+HK$1,705/mo
Deposit HK$4.03M · loan HK$6.05M · min. income ≈ HK$64,670/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$377,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,172
−HK$2,017/mo
▼ 0.25% · 3.875%
HK$33,173
−HK$1,016/mo
Today · 4.125%
HK$34,189
baseline
▲ 0.50% · 4.625%
HK$36,270
+HK$2,081/mo
Deposit HK$3.02M · loan HK$7.05M · min. income ≈ HK$68,378/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$377,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,791
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$36,751
−HK$973/mo
Today · 4.125%
HK$37,724
baseline
▲ 0.50% · 4.625%
HK$39,713
+HK$1,989/mo
Deposit HK$3.02M · loan HK$7.05M · min. income ≈ HK$75,448/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$377,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,364
−HK$2,594/mo
▼ 0.25% · 3.875%
HK$42,650
−HK$1,308/mo
Today · 4.125%
HK$43,958
baseline
▲ 0.50% · 4.625%
HK$46,632
+HK$2,674/mo
Deposit HK$1.01M · loan HK$9.07M · min. income ≈ HK$87,916/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$377,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,017
−HK$2,486/mo
▼ 0.25% · 3.875%
HK$47,251
−HK$1,252/mo
Today · 4.125%
HK$48,503
baseline
▲ 0.50% · 4.625%
HK$51,060
+HK$2,557/mo
Deposit HK$1.01M · loan HK$9.07M · min. income ≈ HK$97,006/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$377,776 · Scale 2, in force from 26 Feb 2026)