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$22,999
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$23,714
−HK$727/mo
Today · 4.125%
HK$24,441
baseline
▲ 0.50% · 4.625%
HK$25,928
+HK$1,487/mo
Deposit HK$5.04M · loan HK$5.04M · min. income ≈ HK$48,882/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$378,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,586
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$26,272
−HK$696/mo
Today · 4.125%
HK$26,968
baseline
▲ 0.50% · 4.625%
HK$28,390
+HK$1,422/mo
Deposit HK$5.04M · loan HK$5.04M · min. income ≈ HK$53,936/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$378,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,599
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$28,457
−HK$872/mo
Today · 4.125%
HK$29,329
baseline
▲ 0.50% · 4.625%
HK$31,114
+HK$1,785/mo
Deposit HK$4.03M · loan HK$6.05M · min. income ≈ HK$58,658/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$378,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,703
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$31,527
−HK$835/mo
Today · 4.125%
HK$32,362
baseline
▲ 0.50% · 4.625%
HK$34,068
+HK$1,706/mo
Deposit HK$4.03M · loan HK$6.05M · min. income ≈ HK$64,724/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$378,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,199
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$33,200
−HK$1,018/mo
Today · 4.125%
HK$34,218
baseline
▲ 0.50% · 4.625%
HK$36,300
+HK$2,082/mo
Deposit HK$3.03M · loan HK$7.06M · min. income ≈ HK$68,436/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$378,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,821
−HK$1,935/mo
▼ 0.25% · 3.875%
HK$36,781
−HK$975/mo
Today · 4.125%
HK$37,756
baseline
▲ 0.50% · 4.625%
HK$39,746
+HK$1,990/mo
Deposit HK$3.03M · loan HK$7.06M · min. income ≈ HK$75,512/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$378,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,398
−HK$2,596/mo
▼ 0.25% · 3.875%
HK$42,686
−HK$1,308/mo
Today · 4.125%
HK$43,994
baseline
▲ 0.50% · 4.625%
HK$46,671
+HK$2,677/mo
Deposit HK$1.01M · loan HK$9.08M · min. income ≈ HK$87,988/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,055
−HK$2,488/mo
▼ 0.25% · 3.875%
HK$47,290
−HK$1,253/mo
Today · 4.125%
HK$48,543
baseline
▲ 0.50% · 4.625%
HK$51,102
+HK$2,559/mo
Deposit HK$1.01M · loan HK$9.08M · min. income ≈ HK$97,086/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,230 · Scale 2, in force from 26 Feb 2026)