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$22,944
−HK$1,439/mo
▼ 0.25% · 3.875%
HK$23,658
−HK$725/mo
Today · 4.125%
HK$24,383
baseline
▲ 0.50% · 4.625%
HK$25,867
+HK$1,484/mo
Deposit HK$5.03M · loan HK$5.03M · min. income ≈ HK$48,766/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$376,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,525
−HK$1,379/mo
▼ 0.25% · 3.875%
HK$26,210
−HK$694/mo
Today · 4.125%
HK$26,904
baseline
▲ 0.50% · 4.625%
HK$28,323
+HK$1,419/mo
Deposit HK$5.03M · loan HK$5.03M · min. income ≈ HK$53,808/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$376,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,533
−HK$1,727/mo
▼ 0.25% · 3.875%
HK$28,390
−HK$870/mo
Today · 4.125%
HK$29,260
baseline
▲ 0.50% · 4.625%
HK$31,040
+HK$1,780/mo
Deposit HK$4.02M · loan HK$6.04M · min. income ≈ HK$58,520/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$376,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,630
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$31,452
−HK$833/mo
Today · 4.125%
HK$32,285
baseline
▲ 0.50% · 4.625%
HK$33,987
+HK$1,702/mo
Deposit HK$4.02M · loan HK$6.04M · min. income ≈ HK$64,570/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$376,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,122
−HK$2,014/mo
▼ 0.25% · 3.875%
HK$33,121
−HK$1,015/mo
Today · 4.125%
HK$34,136
baseline
▲ 0.50% · 4.625%
HK$36,214
+HK$2,078/mo
Deposit HK$3.02M · loan HK$7.04M · min. income ≈ HK$68,272/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$376,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,735
−HK$1,931/mo
▼ 0.25% · 3.875%
HK$36,694
−HK$972/mo
Today · 4.125%
HK$37,666
baseline
▲ 0.50% · 4.625%
HK$39,652
+HK$1,986/mo
Deposit HK$3.02M · loan HK$7.04M · min. income ≈ HK$75,332/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$376,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,300
−HK$2,590/mo
▼ 0.25% · 3.875%
HK$42,584
−HK$1,306/mo
Today · 4.125%
HK$43,890
baseline
▲ 0.50% · 4.625%
HK$46,560
+HK$2,670/mo
Deposit HK$1.01M · loan HK$9.06M · min. income ≈ HK$87,780/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$376,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,946
−HK$2,482/mo
▼ 0.25% · 3.875%
HK$47,178
−HK$1,250/mo
Today · 4.125%
HK$48,428
baseline
▲ 0.50% · 4.625%
HK$50,981
+HK$2,553/mo
Deposit HK$1.01M · loan HK$9.06M · min. income ≈ HK$96,856/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$376,218 · Scale 2, in force from 26 Feb 2026)