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$22,939
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$23,652
−HK$725/mo
Today · 4.125%
HK$24,377
baseline
▲ 0.50% · 4.625%
HK$25,861
+HK$1,484/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$375,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,519
−HK$1,379/mo
▼ 0.25% · 3.875%
HK$26,204
−HK$694/mo
Today · 4.125%
HK$26,898
baseline
▲ 0.50% · 4.625%
HK$28,316
+HK$1,418/mo
Deposit HK$5.03M · loan HK$5.03M · min. income ≈ HK$53,796/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$375,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,527
−HK$1,726/mo
▼ 0.25% · 3.875%
HK$28,383
−HK$870/mo
Today · 4.125%
HK$29,253
baseline
▲ 0.50% · 4.625%
HK$31,033
+HK$1,780/mo
Deposit HK$4.02M · loan HK$6.04M · min. income ≈ HK$58,506/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$375,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,623
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$31,445
−HK$833/mo
Today · 4.125%
HK$32,278
baseline
▲ 0.50% · 4.625%
HK$33,979
+HK$1,701/mo
Deposit HK$4.02M · loan HK$6.04M · min. income ≈ HK$64,556/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$375,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,115
−HK$2,013/mo
▼ 0.25% · 3.875%
HK$33,113
−HK$1,015/mo
Today · 4.125%
HK$34,128
baseline
▲ 0.50% · 4.625%
HK$36,205
+HK$2,077/mo
Deposit HK$3.02M · loan HK$7.04M · min. income ≈ HK$68,256/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$375,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,727
−HK$1,930/mo
▼ 0.25% · 3.875%
HK$36,685
−HK$972/mo
Today · 4.125%
HK$37,657
baseline
▲ 0.50% · 4.625%
HK$39,642
+HK$1,985/mo
Deposit HK$3.02M · loan HK$7.04M · min. income ≈ HK$75,314/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$375,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,290
−HK$2,589/mo
▼ 0.25% · 3.875%
HK$42,574
−HK$1,305/mo
Today · 4.125%
HK$43,879
baseline
▲ 0.50% · 4.625%
HK$46,549
+HK$2,670/mo
Deposit HK$1.01M · loan HK$9.05M · min. income ≈ HK$87,758/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$375,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,935
−HK$2,482/mo
▼ 0.25% · 3.875%
HK$47,167
−HK$1,250/mo
Today · 4.125%
HK$48,417
baseline
▲ 0.50% · 4.625%
HK$50,969
+HK$2,552/mo
Deposit HK$1.01M · loan HK$9.05M · min. income ≈ HK$96,834/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$375,982 · Scale 2, in force from 26 Feb 2026)