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$22,951
−HK$1,439/mo
▼ 0.25% · 3.875%
HK$23,665
−HK$725/mo
Today · 4.125%
HK$24,390
baseline
▲ 0.50% · 4.625%
HK$25,874
+HK$1,484/mo
Deposit HK$5.03M · loan HK$5.03M · min. income ≈ HK$48,780/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$376,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,533
−HK$1,379/mo
▼ 0.25% · 3.875%
HK$26,218
−HK$694/mo
Today · 4.125%
HK$26,912
baseline
▲ 0.50% · 4.625%
HK$28,331
+HK$1,419/mo
Deposit HK$5.03M · loan HK$5.03M · min. income ≈ HK$53,824/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$376,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,541
−HK$1,727/mo
▼ 0.25% · 3.875%
HK$28,398
−HK$870/mo
Today · 4.125%
HK$29,268
baseline
▲ 0.50% · 4.625%
HK$31,049
+HK$1,781/mo
Deposit HK$4.03M · loan HK$6.04M · min. income ≈ HK$58,536/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$376,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,640
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$31,461
−HK$834/mo
Today · 4.125%
HK$32,295
baseline
▲ 0.50% · 4.625%
HK$33,997
+HK$1,702/mo
Deposit HK$4.03M · loan HK$6.04M · min. income ≈ HK$64,590/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$376,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,132
−HK$2,015/mo
▼ 0.25% · 3.875%
HK$33,131
−HK$1,016/mo
Today · 4.125%
HK$34,147
baseline
▲ 0.50% · 4.625%
HK$36,224
+HK$2,077/mo
Deposit HK$3.02M · loan HK$7.05M · min. income ≈ HK$68,294/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$376,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,746
−HK$1,931/mo
▼ 0.25% · 3.875%
HK$36,705
−HK$972/mo
Today · 4.125%
HK$37,677
baseline
▲ 0.50% · 4.625%
HK$39,663
+HK$1,986/mo
Deposit HK$3.02M · loan HK$7.05M · min. income ≈ HK$75,354/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$376,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,312
−HK$2,591/mo
▼ 0.25% · 3.875%
HK$42,597
−HK$1,306/mo
Today · 4.125%
HK$43,903
baseline
▲ 0.50% · 4.625%
HK$46,574
+HK$2,671/mo
Deposit HK$1.01M · loan HK$9.06M · min. income ≈ HK$87,806/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$376,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,959
−HK$2,483/mo
▼ 0.25% · 3.875%
HK$47,192
−HK$1,250/mo
Today · 4.125%
HK$48,442
baseline
▲ 0.50% · 4.625%
HK$50,996
+HK$2,554/mo
Deposit HK$1.01M · loan HK$9.06M · min. income ≈ HK$96,884/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$376,516 · Scale 2, in force from 26 Feb 2026)