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$22,931
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$23,644
−HK$725/mo
Today · 4.125%
HK$24,369
baseline
▲ 0.50% · 4.625%
HK$25,852
+HK$1,483/mo
Deposit HK$5.03M · loan HK$5.03M · min. income ≈ HK$48,738/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$375,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,511
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$26,195
−HK$694/mo
Today · 4.125%
HK$26,889
baseline
▲ 0.50% · 4.625%
HK$28,306
+HK$1,417/mo
Deposit HK$5.03M · loan HK$5.03M · min. income ≈ HK$53,778/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$375,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,517
−HK$1,726/mo
▼ 0.25% · 3.875%
HK$28,373
−HK$870/mo
Today · 4.125%
HK$29,243
baseline
▲ 0.50% · 4.625%
HK$31,022
+HK$1,779/mo
Deposit HK$4.02M · loan HK$6.03M · min. income ≈ HK$58,486/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$375,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,613
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$31,434
−HK$833/mo
Today · 4.125%
HK$32,267
baseline
▲ 0.50% · 4.625%
HK$33,967
+HK$1,700/mo
Deposit HK$4.02M · loan HK$6.03M · min. income ≈ HK$64,534/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$375,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,103
−HK$2,014/mo
▼ 0.25% · 3.875%
HK$33,102
−HK$1,015/mo
Today · 4.125%
HK$34,117
baseline
▲ 0.50% · 4.625%
HK$36,193
+HK$2,076/mo
Deposit HK$3.02M · loan HK$7.04M · min. income ≈ HK$68,234/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$375,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,715
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$36,673
−HK$971/mo
Today · 4.125%
HK$37,644
baseline
▲ 0.50% · 4.625%
HK$39,629
+HK$1,985/mo
Deposit HK$3.02M · loan HK$7.04M · min. income ≈ HK$75,288/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$375,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,276
−HK$2,588/mo
▼ 0.25% · 3.875%
HK$42,560
−HK$1,304/mo
Today · 4.125%
HK$43,864
baseline
▲ 0.50% · 4.625%
HK$46,533
+HK$2,669/mo
Deposit HK$1.01M · loan HK$9.05M · min. income ≈ HK$87,728/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$375,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,919
−HK$2,481/mo
▼ 0.25% · 3.875%
HK$47,151
−HK$1,249/mo
Today · 4.125%
HK$48,400
baseline
▲ 0.50% · 4.625%
HK$50,951
+HK$2,551/mo
Deposit HK$1.01M · loan HK$9.05M · min. income ≈ HK$96,800/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$375,635 · Scale 2, in force from 26 Feb 2026)