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$22,924
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$23,637
−HK$724/mo
Today · 4.125%
HK$24,361
baseline
▲ 0.50% · 4.625%
HK$25,844
+HK$1,483/mo
Deposit HK$5.03M · loan HK$5.03M · min. income ≈ HK$48,722/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$375,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,503
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$26,187
−HK$693/mo
Today · 4.125%
HK$26,880
baseline
▲ 0.50% · 4.625%
HK$28,297
+HK$1,417/mo
Deposit HK$5.03M · loan HK$5.03M · min. income ≈ HK$53,760/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$375,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,509
−HK$1,725/mo
▼ 0.25% · 3.875%
HK$28,364
−HK$870/mo
Today · 4.125%
HK$29,234
baseline
▲ 0.50% · 4.625%
HK$31,012
+HK$1,778/mo
Deposit HK$4.02M · loan HK$6.03M · min. income ≈ HK$58,468/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$375,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,603
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$31,424
−HK$832/mo
Today · 4.125%
HK$32,256
baseline
▲ 0.50% · 4.625%
HK$33,957
+HK$1,701/mo
Deposit HK$4.02M · loan HK$6.03M · min. income ≈ HK$64,512/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$375,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,093
−HK$2,013/mo
▼ 0.25% · 3.875%
HK$33,092
−HK$1,014/mo
Today · 4.125%
HK$34,106
baseline
▲ 0.50% · 4.625%
HK$36,181
+HK$2,075/mo
Deposit HK$3.02M · loan HK$7.04M · min. income ≈ HK$68,212/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$375,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,704
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$36,661
−HK$972/mo
Today · 4.125%
HK$37,633
baseline
▲ 0.50% · 4.625%
HK$39,616
+HK$1,983/mo
Deposit HK$3.02M · loan HK$7.04M · min. income ≈ HK$75,266/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$375,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,263
−HK$2,588/mo
▼ 0.25% · 3.875%
HK$42,546
−HK$1,305/mo
Today · 4.125%
HK$43,851
baseline
▲ 0.50% · 4.625%
HK$46,519
+HK$2,668/mo
Deposit HK$1.01M · loan HK$9.05M · min. income ≈ HK$87,702/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$375,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,905
−HK$2,480/mo
▼ 0.25% · 3.875%
HK$47,136
−HK$1,249/mo
Today · 4.125%
HK$48,385
baseline
▲ 0.50% · 4.625%
HK$50,935
+HK$2,550/mo
Deposit HK$1.01M · loan HK$9.05M · min. income ≈ HK$96,770/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$375,321 · Scale 2, in force from 26 Feb 2026)