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$23,005
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$23,721
−HK$727/mo
Today · 4.125%
HK$24,448
baseline
▲ 0.50% · 4.625%
HK$25,935
+HK$1,487/mo
Deposit HK$5.04M · loan HK$5.04M · min. income ≈ HK$48,896/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$378,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,593
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$26,279
−HK$697/mo
Today · 4.125%
HK$26,976
baseline
▲ 0.50% · 4.625%
HK$28,398
+HK$1,422/mo
Deposit HK$5.04M · loan HK$5.04M · min. income ≈ HK$53,952/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$378,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,606
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$28,465
−HK$872/mo
Today · 4.125%
HK$29,337
baseline
▲ 0.50% · 4.625%
HK$31,122
+HK$1,785/mo
Deposit HK$4.04M · loan HK$6.05M · min. income ≈ HK$58,674/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$378,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,712
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$31,535
−HK$836/mo
Today · 4.125%
HK$32,371
baseline
▲ 0.50% · 4.625%
HK$34,077
+HK$1,706/mo
Deposit HK$4.04M · loan HK$6.05M · min. income ≈ HK$64,742/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$378,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,207
−HK$2,020/mo
▼ 0.25% · 3.875%
HK$33,209
−HK$1,018/mo
Today · 4.125%
HK$34,227
baseline
▲ 0.50% · 4.625%
HK$36,309
+HK$2,082/mo
Deposit HK$3.03M · loan HK$7.06M · min. income ≈ HK$68,454/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$378,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,830
−HK$1,936/mo
▼ 0.25% · 3.875%
HK$36,791
−HK$975/mo
Today · 4.125%
HK$37,766
baseline
▲ 0.50% · 4.625%
HK$39,757
+HK$1,991/mo
Deposit HK$3.03M · loan HK$7.06M · min. income ≈ HK$75,532/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$378,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,409
−HK$2,597/mo
▼ 0.25% · 3.875%
HK$42,697
−HK$1,309/mo
Today · 4.125%
HK$44,006
baseline
▲ 0.50% · 4.625%
HK$46,684
+HK$2,678/mo
Deposit HK$1.01M · loan HK$9.08M · min. income ≈ HK$88,012/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,067
−HK$2,489/mo
▼ 0.25% · 3.875%
HK$47,303
−HK$1,253/mo
Today · 4.125%
HK$48,556
baseline
▲ 0.50% · 4.625%
HK$51,116
+HK$2,560/mo
Deposit HK$1.01M · loan HK$9.08M · min. income ≈ HK$97,112/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,331 · Scale 2, in force from 26 Feb 2026)