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$22,921
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$23,634
−HK$724/mo
Today · 4.125%
HK$24,358
baseline
▲ 0.50% · 4.625%
HK$25,840
+HK$1,482/mo
Deposit HK$5.03M · loan HK$5.03M · min. income ≈ HK$48,716/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$375,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,499
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$26,183
−HK$694/mo
Today · 4.125%
HK$26,877
baseline
▲ 0.50% · 4.625%
HK$28,294
+HK$1,417/mo
Deposit HK$5.03M · loan HK$5.03M · min. income ≈ HK$53,754/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$375,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,505
−HK$1,725/mo
▼ 0.25% · 3.875%
HK$28,361
−HK$869/mo
Today · 4.125%
HK$29,230
baseline
▲ 0.50% · 4.625%
HK$31,008
+HK$1,778/mo
Deposit HK$4.02M · loan HK$6.03M · min. income ≈ HK$58,460/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$375,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,599
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$31,420
−HK$832/mo
Today · 4.125%
HK$32,252
baseline
▲ 0.50% · 4.625%
HK$33,952
+HK$1,700/mo
Deposit HK$4.02M · loan HK$6.03M · min. income ≈ HK$64,504/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$375,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,089
−HK$2,012/mo
▼ 0.25% · 3.875%
HK$33,087
−HK$1,014/mo
Today · 4.125%
HK$34,101
baseline
▲ 0.50% · 4.625%
HK$36,176
+HK$2,075/mo
Deposit HK$3.02M · loan HK$7.04M · min. income ≈ HK$68,202/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$375,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,699
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$36,656
−HK$972/mo
Today · 4.125%
HK$37,628
baseline
▲ 0.50% · 4.625%
HK$39,611
+HK$1,983/mo
Deposit HK$3.02M · loan HK$7.04M · min. income ≈ HK$75,256/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$375,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,258
−HK$2,587/mo
▼ 0.25% · 3.875%
HK$42,541
−HK$1,304/mo
Today · 4.125%
HK$43,845
baseline
▲ 0.50% · 4.625%
HK$46,513
+HK$2,668/mo
Deposit HK$1.01M · loan HK$9.05M · min. income ≈ HK$87,690/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$375,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,899
−HK$2,479/mo
▼ 0.25% · 3.875%
HK$47,130
−HK$1,248/mo
Today · 4.125%
HK$48,378
baseline
▲ 0.50% · 4.625%
HK$50,928
+HK$2,550/mo
Deposit HK$1.01M · loan HK$9.05M · min. income ≈ HK$96,756/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$375,188 · Scale 2, in force from 26 Feb 2026)