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$22,959
−HK$1,439/mo
▼ 0.25% · 3.875%
HK$23,673
−HK$725/mo
Today · 4.125%
HK$24,398
baseline
▲ 0.50% · 4.625%
HK$25,883
+HK$1,485/mo
Deposit HK$5.03M · loan HK$5.03M · min. income ≈ HK$48,796/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$376,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,541
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$26,226
−HK$695/mo
Today · 4.125%
HK$26,921
baseline
▲ 0.50% · 4.625%
HK$28,340
+HK$1,419/mo
Deposit HK$5.03M · loan HK$5.03M · min. income ≈ HK$53,842/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$376,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,550
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$28,407
−HK$871/mo
Today · 4.125%
HK$29,278
baseline
▲ 0.50% · 4.625%
HK$31,059
+HK$1,781/mo
Deposit HK$4.03M · loan HK$6.04M · min. income ≈ HK$58,556/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$376,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,649
−HK$1,656/mo
▼ 0.25% · 3.875%
HK$31,471
−HK$834/mo
Today · 4.125%
HK$32,305
baseline
▲ 0.50% · 4.625%
HK$34,008
+HK$1,703/mo
Deposit HK$4.03M · loan HK$6.04M · min. income ≈ HK$64,610/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$376,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,142
−HK$2,016/mo
▼ 0.25% · 3.875%
HK$33,142
−HK$1,016/mo
Today · 4.125%
HK$34,158
baseline
▲ 0.50% · 4.625%
HK$36,236
+HK$2,078/mo
Deposit HK$3.02M · loan HK$7.05M · min. income ≈ HK$68,316/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$376,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,758
−HK$1,931/mo
▼ 0.25% · 3.875%
HK$36,717
−HK$972/mo
Today · 4.125%
HK$37,689
baseline
▲ 0.50% · 4.625%
HK$39,676
+HK$1,987/mo
Deposit HK$3.02M · loan HK$7.05M · min. income ≈ HK$75,378/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$376,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,325
−HK$2,592/mo
▼ 0.25% · 3.875%
HK$42,611
−HK$1,306/mo
Today · 4.125%
HK$43,917
baseline
▲ 0.50% · 4.625%
HK$46,589
+HK$2,672/mo
Deposit HK$1.01M · loan HK$9.06M · min. income ≈ HK$87,834/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$376,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,974
−HK$2,484/mo
▼ 0.25% · 3.875%
HK$47,207
−HK$1,251/mo
Today · 4.125%
HK$48,458
baseline
▲ 0.50% · 4.625%
HK$51,012
+HK$2,554/mo
Deposit HK$1.01M · loan HK$9.06M · min. income ≈ HK$96,916/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$376,841 · Scale 2, in force from 26 Feb 2026)