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$22,922
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$23,635
−HK$724/mo
Today · 4.125%
HK$24,359
baseline
▲ 0.50% · 4.625%
HK$25,842
+HK$1,483/mo
Deposit HK$5.03M · loan HK$5.03M · min. income ≈ HK$48,718/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$375,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,500
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$26,184
−HK$694/mo
Today · 4.125%
HK$26,878
baseline
▲ 0.50% · 4.625%
HK$28,295
+HK$1,417/mo
Deposit HK$5.03M · loan HK$5.03M · min. income ≈ HK$53,756/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$375,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,506
−HK$1,725/mo
▼ 0.25% · 3.875%
HK$28,362
−HK$869/mo
Today · 4.125%
HK$29,231
baseline
▲ 0.50% · 4.625%
HK$31,010
+HK$1,779/mo
Deposit HK$4.02M · loan HK$6.03M · min. income ≈ HK$58,462/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$375,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,600
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$31,421
−HK$833/mo
Today · 4.125%
HK$32,254
baseline
▲ 0.50% · 4.625%
HK$33,954
+HK$1,700/mo
Deposit HK$4.02M · loan HK$6.03M · min. income ≈ HK$64,508/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$375,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,091
−HK$2,012/mo
▼ 0.25% · 3.875%
HK$33,089
−HK$1,014/mo
Today · 4.125%
HK$34,103
baseline
▲ 0.50% · 4.625%
HK$36,178
+HK$2,075/mo
Deposit HK$3.02M · loan HK$7.04M · min. income ≈ HK$68,206/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$375,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,701
−HK$1,928/mo
▼ 0.25% · 3.875%
HK$36,658
−HK$971/mo
Today · 4.125%
HK$37,629
baseline
▲ 0.50% · 4.625%
HK$39,613
+HK$1,984/mo
Deposit HK$3.02M · loan HK$7.04M · min. income ≈ HK$75,258/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$375,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,259
−HK$2,588/mo
▼ 0.25% · 3.875%
HK$42,543
−HK$1,304/mo
Today · 4.125%
HK$43,847
baseline
▲ 0.50% · 4.625%
HK$46,515
+HK$2,668/mo
Deposit HK$1.01M · loan HK$9.05M · min. income ≈ HK$87,694/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$375,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,901
−HK$2,480/mo
▼ 0.25% · 3.875%
HK$47,132
−HK$1,249/mo
Today · 4.125%
HK$48,381
baseline
▲ 0.50% · 4.625%
HK$50,931
+HK$2,550/mo
Deposit HK$1.01M · loan HK$9.05M · min. income ≈ HK$96,762/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$375,234 · Scale 2, in force from 26 Feb 2026)