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$22,961
−HK$1,439/mo
▼ 0.25% · 3.875%
HK$23,675
−HK$725/mo
Today · 4.125%
HK$24,400
baseline
▲ 0.50% · 4.625%
HK$25,885
+HK$1,485/mo
Deposit HK$5.03M · loan HK$5.03M · min. income ≈ HK$48,800/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$376,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,543
−HK$1,381/mo
▼ 0.25% · 3.875%
HK$26,229
−HK$695/mo
Today · 4.125%
HK$26,924
baseline
▲ 0.50% · 4.625%
HK$28,343
+HK$1,419/mo
Deposit HK$5.03M · loan HK$5.03M · min. income ≈ HK$53,848/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$376,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,553
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$28,410
−HK$871/mo
Today · 4.125%
HK$29,281
baseline
▲ 0.50% · 4.625%
HK$31,062
+HK$1,781/mo
Deposit HK$4.03M · loan HK$6.04M · min. income ≈ HK$58,562/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$376,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,652
−HK$1,656/mo
▼ 0.25% · 3.875%
HK$31,474
−HK$834/mo
Today · 4.125%
HK$32,308
baseline
▲ 0.50% · 4.625%
HK$34,011
+HK$1,703/mo
Deposit HK$4.03M · loan HK$6.04M · min. income ≈ HK$64,616/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$376,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,145
−HK$2,016/mo
▼ 0.25% · 3.875%
HK$33,145
−HK$1,016/mo
Today · 4.125%
HK$34,161
baseline
▲ 0.50% · 4.625%
HK$36,239
+HK$2,078/mo
Deposit HK$3.02M · loan HK$7.05M · min. income ≈ HK$68,322/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$376,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,761
−HK$1,932/mo
▼ 0.25% · 3.875%
HK$36,720
−HK$973/mo
Today · 4.125%
HK$37,693
baseline
▲ 0.50% · 4.625%
HK$39,680
+HK$1,987/mo
Deposit HK$3.02M · loan HK$7.05M · min. income ≈ HK$75,386/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$376,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,329
−HK$2,592/mo
▼ 0.25% · 3.875%
HK$42,615
−HK$1,306/mo
Today · 4.125%
HK$43,921
baseline
▲ 0.50% · 4.625%
HK$46,593
+HK$2,672/mo
Deposit HK$1.01M · loan HK$9.06M · min. income ≈ HK$87,842/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$376,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,978
−HK$2,484/mo
▼ 0.25% · 3.875%
HK$47,211
−HK$1,251/mo
Today · 4.125%
HK$48,462
baseline
▲ 0.50% · 4.625%
HK$51,017
+HK$2,555/mo
Deposit HK$1.01M · loan HK$9.06M · min. income ≈ HK$96,924/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$376,933 · Scale 2, in force from 26 Feb 2026)