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$22,938
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$23,651
−HK$725/mo
Today · 4.125%
HK$24,376
baseline
▲ 0.50% · 4.625%
HK$25,859
+HK$1,483/mo
Deposit HK$5.03M · loan HK$5.03M · min. income ≈ HK$48,752/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$375,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,518
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$26,202
−HK$694/mo
Today · 4.125%
HK$26,896
baseline
▲ 0.50% · 4.625%
HK$28,314
+HK$1,418/mo
Deposit HK$5.03M · loan HK$5.03M · min. income ≈ HK$53,792/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$375,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,525
−HK$1,726/mo
▼ 0.25% · 3.875%
HK$28,381
−HK$870/mo
Today · 4.125%
HK$29,251
baseline
▲ 0.50% · 4.625%
HK$31,031
+HK$1,780/mo
Deposit HK$4.02M · loan HK$6.04M · min. income ≈ HK$58,502/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$375,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,621
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$31,443
−HK$833/mo
Today · 4.125%
HK$32,276
baseline
▲ 0.50% · 4.625%
HK$33,977
+HK$1,701/mo
Deposit HK$4.02M · loan HK$6.04M · min. income ≈ HK$64,552/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$375,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,113
−HK$2,013/mo
▼ 0.25% · 3.875%
HK$33,111
−HK$1,015/mo
Today · 4.125%
HK$34,126
baseline
▲ 0.50% · 4.625%
HK$36,203
+HK$2,077/mo
Deposit HK$3.02M · loan HK$7.04M · min. income ≈ HK$68,252/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$375,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,725
−HK$1,930/mo
▼ 0.25% · 3.875%
HK$36,683
−HK$972/mo
Today · 4.125%
HK$37,655
baseline
▲ 0.50% · 4.625%
HK$39,640
+HK$1,985/mo
Deposit HK$3.02M · loan HK$7.04M · min. income ≈ HK$75,310/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$375,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,288
−HK$2,589/mo
▼ 0.25% · 3.875%
HK$42,572
−HK$1,305/mo
Today · 4.125%
HK$43,877
baseline
▲ 0.50% · 4.625%
HK$46,546
+HK$2,669/mo
Deposit HK$1.01M · loan HK$9.05M · min. income ≈ HK$87,754/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$375,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,932
−HK$2,482/mo
▼ 0.25% · 3.875%
HK$47,164
−HK$1,250/mo
Today · 4.125%
HK$48,414
baseline
▲ 0.50% · 4.625%
HK$50,966
+HK$2,552/mo
Deposit HK$1.01M · loan HK$9.05M · min. income ≈ HK$96,828/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$375,920 · Scale 2, in force from 26 Feb 2026)