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$22,937
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$23,650
−HK$725/mo
Today · 4.125%
HK$24,375
baseline
▲ 0.50% · 4.625%
HK$25,859
+HK$1,484/mo
Deposit HK$5.03M · loan HK$5.03M · min. income ≈ HK$48,750/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$375,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,517
−HK$1,379/mo
▼ 0.25% · 3.875%
HK$26,202
−HK$694/mo
Today · 4.125%
HK$26,896
baseline
▲ 0.50% · 4.625%
HK$28,313
+HK$1,417/mo
Deposit HK$5.03M · loan HK$5.03M · min. income ≈ HK$53,792/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$375,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,524
−HK$1,726/mo
▼ 0.25% · 3.875%
HK$28,381
−HK$869/mo
Today · 4.125%
HK$29,250
baseline
▲ 0.50% · 4.625%
HK$31,030
+HK$1,780/mo
Deposit HK$4.02M · loan HK$6.04M · min. income ≈ HK$58,500/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$375,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,621
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$31,442
−HK$833/mo
Today · 4.125%
HK$32,275
baseline
▲ 0.50% · 4.625%
HK$33,976
+HK$1,701/mo
Deposit HK$4.02M · loan HK$6.04M · min. income ≈ HK$64,550/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$375,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,112
−HK$2,013/mo
▼ 0.25% · 3.875%
HK$33,111
−HK$1,014/mo
Today · 4.125%
HK$34,125
baseline
▲ 0.50% · 4.625%
HK$36,202
+HK$2,077/mo
Deposit HK$3.02M · loan HK$7.04M · min. income ≈ HK$68,250/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$375,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,724
−HK$1,930/mo
▼ 0.25% · 3.875%
HK$36,682
−HK$972/mo
Today · 4.125%
HK$37,654
baseline
▲ 0.50% · 4.625%
HK$39,639
+HK$1,985/mo
Deposit HK$3.02M · loan HK$7.04M · min. income ≈ HK$75,308/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$375,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,287
−HK$2,589/mo
▼ 0.25% · 3.875%
HK$42,571
−HK$1,305/mo
Today · 4.125%
HK$43,876
baseline
▲ 0.50% · 4.625%
HK$46,545
+HK$2,669/mo
Deposit HK$1.01M · loan HK$9.05M · min. income ≈ HK$87,752/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$375,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,931
−HK$2,481/mo
▼ 0.25% · 3.875%
HK$47,163
−HK$1,249/mo
Today · 4.125%
HK$48,412
baseline
▲ 0.50% · 4.625%
HK$50,964
+HK$2,552/mo
Deposit HK$1.01M · loan HK$9.05M · min. income ≈ HK$96,824/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$375,895 · Scale 2, in force from 26 Feb 2026)