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$22,968
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$23,683
−HK$726/mo
Today · 4.125%
HK$24,409
baseline
▲ 0.50% · 4.625%
HK$25,894
+HK$1,485/mo
Deposit HK$5.04M · loan HK$5.04M · min. income ≈ HK$48,818/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$377,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,552
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$26,237
−HK$695/mo
Today · 4.125%
HK$26,932
baseline
▲ 0.50% · 4.625%
HK$28,352
+HK$1,420/mo
Deposit HK$5.04M · loan HK$5.04M · min. income ≈ HK$53,864/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$377,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,562
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$28,419
−HK$871/mo
Today · 4.125%
HK$29,290
baseline
▲ 0.50% · 4.625%
HK$31,073
+HK$1,783/mo
Deposit HK$4.03M · loan HK$6.04M · min. income ≈ HK$58,580/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$377,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,662
−HK$1,657/mo
▼ 0.25% · 3.875%
HK$31,485
−HK$834/mo
Today · 4.125%
HK$32,319
baseline
▲ 0.50% · 4.625%
HK$34,022
+HK$1,703/mo
Deposit HK$4.03M · loan HK$6.04M · min. income ≈ HK$64,638/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$377,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,156
−HK$2,016/mo
▼ 0.25% · 3.875%
HK$33,156
−HK$1,016/mo
Today · 4.125%
HK$34,172
baseline
▲ 0.50% · 4.625%
HK$36,251
+HK$2,079/mo
Deposit HK$3.02M · loan HK$7.05M · min. income ≈ HK$68,344/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$377,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,773
−HK$1,932/mo
▼ 0.25% · 3.875%
HK$36,732
−HK$973/mo
Today · 4.125%
HK$37,705
baseline
▲ 0.50% · 4.625%
HK$39,693
+HK$1,988/mo
Deposit HK$3.02M · loan HK$7.05M · min. income ≈ HK$75,410/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$377,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,343
−HK$2,592/mo
▼ 0.25% · 3.875%
HK$42,629
−HK$1,306/mo
Today · 4.125%
HK$43,935
baseline
▲ 0.50% · 4.625%
HK$46,609
+HK$2,674/mo
Deposit HK$1.01M · loan HK$9.07M · min. income ≈ HK$87,870/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$377,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,993
−HK$2,485/mo
▼ 0.25% · 3.875%
HK$47,227
−HK$1,251/mo
Today · 4.125%
HK$48,478
baseline
▲ 0.50% · 4.625%
HK$51,034
+HK$2,556/mo
Deposit HK$1.01M · loan HK$9.07M · min. income ≈ HK$96,956/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$377,266 · Scale 2, in force from 26 Feb 2026)