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$22,990
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$23,705
−HK$727/mo
Today · 4.125%
HK$24,432
baseline
▲ 0.50% · 4.625%
HK$25,918
+HK$1,486/mo
Deposit HK$5.04M · loan HK$5.04M · min. income ≈ HK$48,864/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$378,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,576
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$26,262
−HK$696/mo
Today · 4.125%
HK$26,958
baseline
▲ 0.50% · 4.625%
HK$28,379
+HK$1,421/mo
Deposit HK$5.04M · loan HK$5.04M · min. income ≈ HK$53,916/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$378,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,588
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$28,446
−HK$872/mo
Today · 4.125%
HK$29,318
baseline
▲ 0.50% · 4.625%
HK$31,102
+HK$1,784/mo
Deposit HK$4.03M · loan HK$6.05M · min. income ≈ HK$58,636/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$378,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,691
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$31,515
−HK$835/mo
Today · 4.125%
HK$32,350
baseline
▲ 0.50% · 4.625%
HK$34,055
+HK$1,705/mo
Deposit HK$4.03M · loan HK$6.05M · min. income ≈ HK$64,700/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$378,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,186
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$33,187
−HK$1,017/mo
Today · 4.125%
HK$34,204
baseline
▲ 0.50% · 4.625%
HK$36,286
+HK$2,082/mo
Deposit HK$3.02M · loan HK$7.06M · min. income ≈ HK$68,408/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$378,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,807
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$36,767
−HK$974/mo
Today · 4.125%
HK$37,741
baseline
▲ 0.50% · 4.625%
HK$39,731
+HK$1,990/mo
Deposit HK$3.02M · loan HK$7.06M · min. income ≈ HK$75,482/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$378,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,382
−HK$2,595/mo
▼ 0.25% · 3.875%
HK$42,669
−HK$1,308/mo
Today · 4.125%
HK$43,977
baseline
▲ 0.50% · 4.625%
HK$46,653
+HK$2,676/mo
Deposit HK$1.01M · loan HK$9.07M · min. income ≈ HK$87,954/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,037
−HK$2,487/mo
▼ 0.25% · 3.875%
HK$47,272
−HK$1,252/mo
Today · 4.125%
HK$48,524
baseline
▲ 0.50% · 4.625%
HK$51,082
+HK$2,558/mo
Deposit HK$1.01M · loan HK$9.07M · min. income ≈ HK$97,048/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,083 · Scale 2, in force from 26 Feb 2026)