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$22,942
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$23,655
−HK$725/mo
Today · 4.125%
HK$24,380
baseline
▲ 0.50% · 4.625%
HK$25,864
+HK$1,484/mo
Deposit HK$5.03M · loan HK$5.03M · min. income ≈ HK$48,760/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$376,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,522
−HK$1,379/mo
▼ 0.25% · 3.875%
HK$26,207
−HK$694/mo
Today · 4.125%
HK$26,901
baseline
▲ 0.50% · 4.625%
HK$28,319
+HK$1,418/mo
Deposit HK$5.03M · loan HK$5.03M · min. income ≈ HK$53,802/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$376,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,530
−HK$1,726/mo
▼ 0.25% · 3.875%
HK$28,386
−HK$870/mo
Today · 4.125%
HK$29,256
baseline
▲ 0.50% · 4.625%
HK$31,037
+HK$1,781/mo
Deposit HK$4.02M · loan HK$6.04M · min. income ≈ HK$58,512/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$376,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,627
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$31,448
−HK$833/mo
Today · 4.125%
HK$32,281
baseline
▲ 0.50% · 4.625%
HK$33,983
+HK$1,702/mo
Deposit HK$4.02M · loan HK$6.04M · min. income ≈ HK$64,562/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$376,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,118
−HK$2,014/mo
▼ 0.25% · 3.875%
HK$33,117
−HK$1,015/mo
Today · 4.125%
HK$34,132
baseline
▲ 0.50% · 4.625%
HK$36,209
+HK$2,077/mo
Deposit HK$3.02M · loan HK$7.04M · min. income ≈ HK$68,264/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$376,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,731
−HK$1,931/mo
▼ 0.25% · 3.875%
HK$36,690
−HK$972/mo
Today · 4.125%
HK$37,662
baseline
▲ 0.50% · 4.625%
HK$39,647
+HK$1,985/mo
Deposit HK$3.02M · loan HK$7.04M · min. income ≈ HK$75,324/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$376,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,295
−HK$2,590/mo
▼ 0.25% · 3.875%
HK$42,579
−HK$1,306/mo
Today · 4.125%
HK$43,885
baseline
▲ 0.50% · 4.625%
HK$46,555
+HK$2,670/mo
Deposit HK$1.01M · loan HK$9.05M · min. income ≈ HK$87,770/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$376,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,940
−HK$2,482/mo
▼ 0.25% · 3.875%
HK$47,172
−HK$1,250/mo
Today · 4.125%
HK$48,422
baseline
▲ 0.50% · 4.625%
HK$50,975
+HK$2,553/mo
Deposit HK$1.01M · loan HK$9.05M · min. income ≈ HK$96,844/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$376,099 · Scale 2, in force from 26 Feb 2026)