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$22,940
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$23,653
−HK$725/mo
Today · 4.125%
HK$24,378
baseline
▲ 0.50% · 4.625%
HK$25,861
+HK$1,483/mo
Deposit HK$5.03M · loan HK$5.03M · min. income ≈ HK$48,756/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$376,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,520
−HK$1,379/mo
▼ 0.25% · 3.875%
HK$26,204
−HK$695/mo
Today · 4.125%
HK$26,899
baseline
▲ 0.50% · 4.625%
HK$28,317
+HK$1,418/mo
Deposit HK$5.03M · loan HK$5.03M · min. income ≈ HK$53,798/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$376,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,527
−HK$1,727/mo
▼ 0.25% · 3.875%
HK$28,384
−HK$870/mo
Today · 4.125%
HK$29,254
baseline
▲ 0.50% · 4.625%
HK$31,034
+HK$1,780/mo
Deposit HK$4.02M · loan HK$6.04M · min. income ≈ HK$58,508/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$376,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,624
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$31,445
−HK$834/mo
Today · 4.125%
HK$32,279
baseline
▲ 0.50% · 4.625%
HK$33,980
+HK$1,701/mo
Deposit HK$4.02M · loan HK$6.04M · min. income ≈ HK$64,558/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$376,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,115
−HK$2,014/mo
▼ 0.25% · 3.875%
HK$33,114
−HK$1,015/mo
Today · 4.125%
HK$34,129
baseline
▲ 0.50% · 4.625%
HK$36,206
+HK$2,077/mo
Deposit HK$3.02M · loan HK$7.04M · min. income ≈ HK$68,258/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$376,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,728
−HK$1,930/mo
▼ 0.25% · 3.875%
HK$36,686
−HK$972/mo
Today · 4.125%
HK$37,658
baseline
▲ 0.50% · 4.625%
HK$39,643
+HK$1,985/mo
Deposit HK$3.02M · loan HK$7.04M · min. income ≈ HK$75,316/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$376,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,291
−HK$2,589/mo
▼ 0.25% · 3.875%
HK$42,576
−HK$1,304/mo
Today · 4.125%
HK$43,880
baseline
▲ 0.50% · 4.625%
HK$46,551
+HK$2,671/mo
Deposit HK$1.01M · loan HK$9.05M · min. income ≈ HK$87,760/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$376,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,936
−HK$2,482/mo
▼ 0.25% · 3.875%
HK$47,168
−HK$1,250/mo
Today · 4.125%
HK$48,418
baseline
▲ 0.50% · 4.625%
HK$50,970
+HK$2,552/mo
Deposit HK$1.01M · loan HK$9.05M · min. income ≈ HK$96,836/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$376,007 · Scale 2, in force from 26 Feb 2026)