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$22,984
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$23,699
−HK$727/mo
Today · 4.125%
HK$24,426
baseline
▲ 0.50% · 4.625%
HK$25,912
+HK$1,486/mo
Deposit HK$5.04M · loan HK$5.04M · min. income ≈ HK$48,852/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$377,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,570
−HK$1,381/mo
▼ 0.25% · 3.875%
HK$26,255
−HK$696/mo
Today · 4.125%
HK$26,951
baseline
▲ 0.50% · 4.625%
HK$28,372
+HK$1,421/mo
Deposit HK$5.04M · loan HK$5.04M · min. income ≈ HK$53,902/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$377,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,581
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$28,439
−HK$872/mo
Today · 4.125%
HK$29,311
baseline
▲ 0.50% · 4.625%
HK$31,094
+HK$1,783/mo
Deposit HK$4.03M · loan HK$6.05M · min. income ≈ HK$58,622/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$377,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,684
−HK$1,657/mo
▼ 0.25% · 3.875%
HK$31,507
−HK$834/mo
Today · 4.125%
HK$32,341
baseline
▲ 0.50% · 4.625%
HK$34,046
+HK$1,705/mo
Deposit HK$4.03M · loan HK$6.05M · min. income ≈ HK$64,682/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$377,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,178
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$33,179
−HK$1,017/mo
Today · 4.125%
HK$34,196
baseline
▲ 0.50% · 4.625%
HK$36,276
+HK$2,080/mo
Deposit HK$3.02M · loan HK$7.06M · min. income ≈ HK$68,392/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$377,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,798
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$36,758
−HK$974/mo
Today · 4.125%
HK$37,732
baseline
▲ 0.50% · 4.625%
HK$39,720
+HK$1,988/mo
Deposit HK$3.02M · loan HK$7.06M · min. income ≈ HK$75,464/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$377,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,372
−HK$2,594/mo
▼ 0.25% · 3.875%
HK$42,658
−HK$1,308/mo
Today · 4.125%
HK$43,966
baseline
▲ 0.50% · 4.625%
HK$46,641
+HK$2,675/mo
Deposit HK$1.01M · loan HK$9.07M · min. income ≈ HK$87,932/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$377,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,025
−HK$2,487/mo
▼ 0.25% · 3.875%
HK$47,260
−HK$1,252/mo
Today · 4.125%
HK$48,512
baseline
▲ 0.50% · 4.625%
HK$51,069
+HK$2,557/mo
Deposit HK$1.01M · loan HK$9.07M · min. income ≈ HK$97,024/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$377,966 · Scale 2, in force from 26 Feb 2026)