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$22,935
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$23,648
−HK$725/mo
Today · 4.125%
HK$24,373
baseline
▲ 0.50% · 4.625%
HK$25,856
+HK$1,483/mo
Deposit HK$5.03M · loan HK$5.03M · min. income ≈ HK$48,746/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$375,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,515
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$26,199
−HK$694/mo
Today · 4.125%
HK$26,893
baseline
▲ 0.50% · 4.625%
HK$28,311
+HK$1,418/mo
Deposit HK$5.03M · loan HK$5.03M · min. income ≈ HK$53,786/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$375,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,522
−HK$1,726/mo
▼ 0.25% · 3.875%
HK$28,378
−HK$870/mo
Today · 4.125%
HK$29,248
baseline
▲ 0.50% · 4.625%
HK$31,027
+HK$1,779/mo
Deposit HK$4.02M · loan HK$6.03M · min. income ≈ HK$58,496/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$375,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,618
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$31,439
−HK$833/mo
Today · 4.125%
HK$32,272
baseline
▲ 0.50% · 4.625%
HK$33,973
+HK$1,701/mo
Deposit HK$4.02M · loan HK$6.03M · min. income ≈ HK$64,544/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$375,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,109
−HK$2,013/mo
▼ 0.25% · 3.875%
HK$33,108
−HK$1,014/mo
Today · 4.125%
HK$34,122
baseline
▲ 0.50% · 4.625%
HK$36,199
+HK$2,077/mo
Deposit HK$3.02M · loan HK$7.04M · min. income ≈ HK$68,244/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$375,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,721
−HK$1,930/mo
▼ 0.25% · 3.875%
HK$36,679
−HK$972/mo
Today · 4.125%
HK$37,651
baseline
▲ 0.50% · 4.625%
HK$39,635
+HK$1,984/mo
Deposit HK$3.02M · loan HK$7.04M · min. income ≈ HK$75,302/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$375,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,283
−HK$2,589/mo
▼ 0.25% · 3.875%
HK$42,567
−HK$1,305/mo
Today · 4.125%
HK$43,872
baseline
▲ 0.50% · 4.625%
HK$46,541
+HK$2,669/mo
Deposit HK$1.01M · loan HK$9.05M · min. income ≈ HK$87,744/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$375,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,927
−HK$2,481/mo
▼ 0.25% · 3.875%
HK$47,158
−HK$1,250/mo
Today · 4.125%
HK$48,408
baseline
▲ 0.50% · 4.625%
HK$50,960
+HK$2,552/mo
Deposit HK$1.01M · loan HK$9.05M · min. income ≈ HK$96,816/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$375,803 · Scale 2, in force from 26 Feb 2026)