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$22,986
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$23,701
−HK$727/mo
Today · 4.125%
HK$24,428
baseline
▲ 0.50% · 4.625%
HK$25,914
+HK$1,486/mo
Deposit HK$5.04M · loan HK$5.04M · min. income ≈ HK$48,856/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$378,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,572
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$26,258
−HK$696/mo
Today · 4.125%
HK$26,954
baseline
▲ 0.50% · 4.625%
HK$28,374
+HK$1,420/mo
Deposit HK$5.04M · loan HK$5.04M · min. income ≈ HK$53,908/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$378,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,584
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$28,442
−HK$871/mo
Today · 4.125%
HK$29,313
baseline
▲ 0.50% · 4.625%
HK$31,097
+HK$1,784/mo
Deposit HK$4.03M · loan HK$6.05M · min. income ≈ HK$58,626/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$378,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,686
−HK$1,658/mo
▼ 0.25% · 3.875%
HK$31,509
−HK$835/mo
Today · 4.125%
HK$32,344
baseline
▲ 0.50% · 4.625%
HK$34,049
+HK$1,705/mo
Deposit HK$4.03M · loan HK$6.05M · min. income ≈ HK$64,688/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$378,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,181
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$33,182
−HK$1,017/mo
Today · 4.125%
HK$34,199
baseline
▲ 0.50% · 4.625%
HK$36,280
+HK$2,081/mo
Deposit HK$3.02M · loan HK$7.06M · min. income ≈ HK$68,398/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$378,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,801
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$36,761
−HK$974/mo
Today · 4.125%
HK$37,735
baseline
▲ 0.50% · 4.625%
HK$39,724
+HK$1,989/mo
Deposit HK$3.02M · loan HK$7.06M · min. income ≈ HK$75,470/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$378,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,375
−HK$2,595/mo
▼ 0.25% · 3.875%
HK$42,662
−HK$1,308/mo
Today · 4.125%
HK$43,970
baseline
▲ 0.50% · 4.625%
HK$46,645
+HK$2,675/mo
Deposit HK$1.01M · loan HK$9.07M · min. income ≈ HK$87,940/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,030
−HK$2,487/mo
▼ 0.25% · 3.875%
HK$47,264
−HK$1,253/mo
Today · 4.125%
HK$48,517
baseline
▲ 0.50% · 4.625%
HK$51,074
+HK$2,557/mo
Deposit HK$1.01M · loan HK$9.07M · min. income ≈ HK$97,034/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,022 · Scale 2, in force from 26 Feb 2026)