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$22,929
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$23,642
−HK$725/mo
Today · 4.125%
HK$24,367
baseline
▲ 0.50% · 4.625%
HK$25,850
+HK$1,483/mo
Deposit HK$5.03M · loan HK$5.03M · min. income ≈ HK$48,734/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$375,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,508
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$26,192
−HK$694/mo
Today · 4.125%
HK$26,886
baseline
▲ 0.50% · 4.625%
HK$28,304
+HK$1,418/mo
Deposit HK$5.03M · loan HK$5.03M · min. income ≈ HK$53,772/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$375,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,515
−HK$1,725/mo
▼ 0.25% · 3.875%
HK$28,371
−HK$869/mo
Today · 4.125%
HK$29,240
baseline
▲ 0.50% · 4.625%
HK$31,019
+HK$1,779/mo
Deposit HK$4.02M · loan HK$6.03M · min. income ≈ HK$58,480/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$375,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,610
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$31,431
−HK$833/mo
Today · 4.125%
HK$32,264
baseline
▲ 0.50% · 4.625%
HK$33,964
+HK$1,700/mo
Deposit HK$4.02M · loan HK$6.03M · min. income ≈ HK$64,528/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$375,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,101
−HK$2,013/mo
▼ 0.25% · 3.875%
HK$33,099
−HK$1,015/mo
Today · 4.125%
HK$34,114
baseline
▲ 0.50% · 4.625%
HK$36,189
+HK$2,075/mo
Deposit HK$3.02M · loan HK$7.04M · min. income ≈ HK$68,228/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$375,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,712
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$36,669
−HK$972/mo
Today · 4.125%
HK$37,641
baseline
▲ 0.50% · 4.625%
HK$39,625
+HK$1,984/mo
Deposit HK$3.02M · loan HK$7.04M · min. income ≈ HK$75,282/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$375,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,272
−HK$2,588/mo
▼ 0.25% · 3.875%
HK$42,556
−HK$1,304/mo
Today · 4.125%
HK$43,860
baseline
▲ 0.50% · 4.625%
HK$46,529
+HK$2,669/mo
Deposit HK$1.01M · loan HK$9.05M · min. income ≈ HK$87,720/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$375,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,915
−HK$2,481/mo
▼ 0.25% · 3.875%
HK$47,146
−HK$1,250/mo
Today · 4.125%
HK$48,396
baseline
▲ 0.50% · 4.625%
HK$50,947
+HK$2,551/mo
Deposit HK$1.01M · loan HK$9.05M · min. income ≈ HK$96,792/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$375,547 · Scale 2, in force from 26 Feb 2026)