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$22,918
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$23,631
−HK$724/mo
Today · 4.125%
HK$24,355
baseline
▲ 0.50% · 4.625%
HK$25,837
+HK$1,482/mo
Deposit HK$5.03M · loan HK$5.03M · min. income ≈ HK$48,710/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$375,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,496
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$26,180
−HK$694/mo
Today · 4.125%
HK$26,874
baseline
▲ 0.50% · 4.625%
HK$28,290
+HK$1,416/mo
Deposit HK$5.03M · loan HK$5.03M · min. income ≈ HK$53,748/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$375,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,502
−HK$1,724/mo
▼ 0.25% · 3.875%
HK$28,357
−HK$869/mo
Today · 4.125%
HK$29,226
baseline
▲ 0.50% · 4.625%
HK$31,005
+HK$1,779/mo
Deposit HK$4.02M · loan HK$6.03M · min. income ≈ HK$58,452/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$375,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,595
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$31,416
−HK$832/mo
Today · 4.125%
HK$32,248
baseline
▲ 0.50% · 4.625%
HK$33,948
+HK$1,700/mo
Deposit HK$4.02M · loan HK$6.03M · min. income ≈ HK$64,496/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$375,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,085
−HK$2,012/mo
▼ 0.25% · 3.875%
HK$33,083
−HK$1,014/mo
Today · 4.125%
HK$34,097
baseline
▲ 0.50% · 4.625%
HK$36,172
+HK$2,075/mo
Deposit HK$3.02M · loan HK$7.04M · min. income ≈ HK$68,194/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$375,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,695
−HK$1,928/mo
▼ 0.25% · 3.875%
HK$36,652
−HK$971/mo
Today · 4.125%
HK$37,623
baseline
▲ 0.50% · 4.625%
HK$39,606
+HK$1,983/mo
Deposit HK$3.02M · loan HK$7.04M · min. income ≈ HK$75,246/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$375,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,252
−HK$2,587/mo
▼ 0.25% · 3.875%
HK$42,536
−HK$1,303/mo
Today · 4.125%
HK$43,839
baseline
▲ 0.50% · 4.625%
HK$46,507
+HK$2,668/mo
Deposit HK$1.01M · loan HK$9.05M · min. income ≈ HK$87,678/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$375,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,893
−HK$2,479/mo
▼ 0.25% · 3.875%
HK$47,124
−HK$1,248/mo
Today · 4.125%
HK$48,372
baseline
▲ 0.50% · 4.625%
HK$50,922
+HK$2,550/mo
Deposit HK$1.01M · loan HK$9.05M · min. income ≈ HK$96,744/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$375,065 · Scale 2, in force from 26 Feb 2026)