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$22,977
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$23,692
−HK$726/mo
Today · 4.125%
HK$24,418
baseline
▲ 0.50% · 4.625%
HK$25,904
+HK$1,486/mo
Deposit HK$5.04M · loan HK$5.04M · min. income ≈ HK$48,836/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$377,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,562
−HK$1,381/mo
▼ 0.25% · 3.875%
HK$26,247
−HK$696/mo
Today · 4.125%
HK$26,943
baseline
▲ 0.50% · 4.625%
HK$28,363
+HK$1,420/mo
Deposit HK$5.04M · loan HK$5.04M · min. income ≈ HK$53,886/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$377,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,572
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$28,430
−HK$871/mo
Today · 4.125%
HK$29,301
baseline
▲ 0.50% · 4.625%
HK$31,084
+HK$1,783/mo
Deposit HK$4.03M · loan HK$6.05M · min. income ≈ HK$58,602/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$377,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,674
−HK$1,657/mo
▼ 0.25% · 3.875%
HK$31,497
−HK$834/mo
Today · 4.125%
HK$32,331
baseline
▲ 0.50% · 4.625%
HK$34,035
+HK$1,704/mo
Deposit HK$4.03M · loan HK$6.05M · min. income ≈ HK$64,662/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$377,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,168
−HK$2,017/mo
▼ 0.25% · 3.875%
HK$33,168
−HK$1,017/mo
Today · 4.125%
HK$34,185
baseline
▲ 0.50% · 4.625%
HK$36,265
+HK$2,080/mo
Deposit HK$3.02M · loan HK$7.05M · min. income ≈ HK$68,370/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$377,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,786
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$36,746
−HK$974/mo
Today · 4.125%
HK$37,720
baseline
▲ 0.50% · 4.625%
HK$39,708
+HK$1,988/mo
Deposit HK$3.02M · loan HK$7.05M · min. income ≈ HK$75,440/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$377,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,358
−HK$2,594/mo
▼ 0.25% · 3.875%
HK$42,645
−HK$1,307/mo
Today · 4.125%
HK$43,952
baseline
▲ 0.50% · 4.625%
HK$46,626
+HK$2,674/mo
Deposit HK$1.01M · loan HK$9.07M · min. income ≈ HK$87,904/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$377,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,011
−HK$2,486/mo
▼ 0.25% · 3.875%
HK$47,245
−HK$1,252/mo
Today · 4.125%
HK$48,497
baseline
▲ 0.50% · 4.625%
HK$51,053
+HK$2,556/mo
Deposit HK$1.01M · loan HK$9.07M · min. income ≈ HK$96,994/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$377,645 · Scale 2, in force from 26 Feb 2026)