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$22,944
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$23,657
−HK$725/mo
Today · 4.125%
HK$24,382
baseline
▲ 0.50% · 4.625%
HK$25,866
+HK$1,484/mo
Deposit HK$5.03M · loan HK$5.03M · min. income ≈ HK$48,764/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$376,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,524
−HK$1,379/mo
▼ 0.25% · 3.875%
HK$26,209
−HK$694/mo
Today · 4.125%
HK$26,903
baseline
▲ 0.50% · 4.625%
HK$28,322
+HK$1,419/mo
Deposit HK$5.03M · loan HK$5.03M · min. income ≈ HK$53,806/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$376,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,532
−HK$1,727/mo
▼ 0.25% · 3.875%
HK$28,389
−HK$870/mo
Today · 4.125%
HK$29,259
baseline
▲ 0.50% · 4.625%
HK$31,039
+HK$1,780/mo
Deposit HK$4.02M · loan HK$6.04M · min. income ≈ HK$58,518/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$376,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,629
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$31,451
−HK$833/mo
Today · 4.125%
HK$32,284
baseline
▲ 0.50% · 4.625%
HK$33,986
+HK$1,702/mo
Deposit HK$4.02M · loan HK$6.04M · min. income ≈ HK$64,568/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$376,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,121
−HK$2,014/mo
▼ 0.25% · 3.875%
HK$33,120
−HK$1,015/mo
Today · 4.125%
HK$34,135
baseline
▲ 0.50% · 4.625%
HK$36,212
+HK$2,077/mo
Deposit HK$3.02M · loan HK$7.04M · min. income ≈ HK$68,270/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$376,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,734
−HK$1,931/mo
▼ 0.25% · 3.875%
HK$36,693
−HK$972/mo
Today · 4.125%
HK$37,665
baseline
▲ 0.50% · 4.625%
HK$39,650
+HK$1,985/mo
Deposit HK$3.02M · loan HK$7.04M · min. income ≈ HK$75,330/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$376,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,298
−HK$2,590/mo
▼ 0.25% · 3.875%
HK$42,583
−HK$1,305/mo
Today · 4.125%
HK$43,888
baseline
▲ 0.50% · 4.625%
HK$46,559
+HK$2,671/mo
Deposit HK$1.01M · loan HK$9.06M · min. income ≈ HK$87,776/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$376,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,944
−HK$2,482/mo
▼ 0.25% · 3.875%
HK$47,176
−HK$1,250/mo
Today · 4.125%
HK$48,426
baseline
▲ 0.50% · 4.625%
HK$50,979
+HK$2,553/mo
Deposit HK$1.01M · loan HK$9.06M · min. income ≈ HK$96,852/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$376,184 · Scale 2, in force from 26 Feb 2026)