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$22,976
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$23,691
−HK$726/mo
Today · 4.125%
HK$24,417
baseline
▲ 0.50% · 4.625%
HK$25,903
+HK$1,486/mo
Deposit HK$5.04M · loan HK$5.04M · min. income ≈ HK$48,834/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$377,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,561
−HK$1,381/mo
▼ 0.25% · 3.875%
HK$26,246
−HK$696/mo
Today · 4.125%
HK$26,942
baseline
▲ 0.50% · 4.625%
HK$28,362
+HK$1,420/mo
Deposit HK$5.04M · loan HK$5.04M · min. income ≈ HK$53,884/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$377,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,571
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$28,429
−HK$871/mo
Today · 4.125%
HK$29,300
baseline
▲ 0.50% · 4.625%
HK$31,083
+HK$1,783/mo
Deposit HK$4.03M · loan HK$6.05M · min. income ≈ HK$58,600/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$377,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,673
−HK$1,657/mo
▼ 0.25% · 3.875%
HK$31,495
−HK$835/mo
Today · 4.125%
HK$32,330
baseline
▲ 0.50% · 4.625%
HK$34,034
+HK$1,704/mo
Deposit HK$4.03M · loan HK$6.05M · min. income ≈ HK$64,660/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$377,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,166
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$33,167
−HK$1,017/mo
Today · 4.125%
HK$34,184
baseline
▲ 0.50% · 4.625%
HK$36,264
+HK$2,080/mo
Deposit HK$3.02M · loan HK$7.05M · min. income ≈ HK$68,368/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$377,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,785
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$36,745
−HK$973/mo
Today · 4.125%
HK$37,718
baseline
▲ 0.50% · 4.625%
HK$39,706
+HK$1,988/mo
Deposit HK$3.02M · loan HK$7.05M · min. income ≈ HK$75,436/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$377,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,357
−HK$2,593/mo
▼ 0.25% · 3.875%
HK$42,643
−HK$1,307/mo
Today · 4.125%
HK$43,950
baseline
▲ 0.50% · 4.625%
HK$46,625
+HK$2,675/mo
Deposit HK$1.01M · loan HK$9.07M · min. income ≈ HK$87,900/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$377,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,009
−HK$2,486/mo
▼ 0.25% · 3.875%
HK$47,243
−HK$1,252/mo
Today · 4.125%
HK$48,495
baseline
▲ 0.50% · 4.625%
HK$51,051
+HK$2,556/mo
Deposit HK$1.01M · loan HK$9.07M · min. income ≈ HK$96,990/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$377,607 · Scale 2, in force from 26 Feb 2026)