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$22,962
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$23,676
−HK$726/mo
Today · 4.125%
HK$24,402
baseline
▲ 0.50% · 4.625%
HK$25,886
+HK$1,484/mo
Deposit HK$5.03M · loan HK$5.03M · min. income ≈ HK$48,804/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$376,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,545
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$26,230
−HK$695/mo
Today · 4.125%
HK$26,925
baseline
▲ 0.50% · 4.625%
HK$28,344
+HK$1,419/mo
Deposit HK$5.03M · loan HK$5.03M · min. income ≈ HK$53,850/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$376,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,554
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$28,411
−HK$871/mo
Today · 4.125%
HK$29,282
baseline
▲ 0.50% · 4.625%
HK$31,064
+HK$1,782/mo
Deposit HK$4.03M · loan HK$6.04M · min. income ≈ HK$58,564/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$376,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,654
−HK$1,656/mo
▼ 0.25% · 3.875%
HK$31,476
−HK$834/mo
Today · 4.125%
HK$32,310
baseline
▲ 0.50% · 4.625%
HK$34,013
+HK$1,703/mo
Deposit HK$4.03M · loan HK$6.04M · min. income ≈ HK$64,620/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$376,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,146
−HK$2,016/mo
▼ 0.25% · 3.875%
HK$33,146
−HK$1,016/mo
Today · 4.125%
HK$34,162
baseline
▲ 0.50% · 4.625%
HK$36,241
+HK$2,079/mo
Deposit HK$3.02M · loan HK$7.05M · min. income ≈ HK$68,324/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$376,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,763
−HK$1,932/mo
▼ 0.25% · 3.875%
HK$36,722
−HK$973/mo
Today · 4.125%
HK$37,695
baseline
▲ 0.50% · 4.625%
HK$39,682
+HK$1,987/mo
Deposit HK$3.02M · loan HK$7.05M · min. income ≈ HK$75,390/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$376,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,331
−HK$2,592/mo
▼ 0.25% · 3.875%
HK$42,617
−HK$1,306/mo
Today · 4.125%
HK$43,923
baseline
▲ 0.50% · 4.625%
HK$46,596
+HK$2,673/mo
Deposit HK$1.01M · loan HK$9.06M · min. income ≈ HK$87,846/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$376,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,980
−HK$2,485/mo
▼ 0.25% · 3.875%
HK$47,214
−HK$1,251/mo
Today · 4.125%
HK$48,465
baseline
▲ 0.50% · 4.625%
HK$51,019
+HK$2,554/mo
Deposit HK$1.01M · loan HK$9.06M · min. income ≈ HK$96,930/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$376,981 · Scale 2, in force from 26 Feb 2026)