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$22,922
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$23,635
−HK$725/mo
Today · 4.125%
HK$24,360
baseline
▲ 0.50% · 4.625%
HK$25,842
+HK$1,482/mo
Deposit HK$5.03M · loan HK$5.03M · min. income ≈ HK$48,720/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$375,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,501
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$26,185
−HK$694/mo
Today · 4.125%
HK$26,879
baseline
▲ 0.50% · 4.625%
HK$28,295
+HK$1,416/mo
Deposit HK$5.03M · loan HK$5.03M · min. income ≈ HK$53,758/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$375,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,507
−HK$1,725/mo
▼ 0.25% · 3.875%
HK$28,362
−HK$870/mo
Today · 4.125%
HK$29,232
baseline
▲ 0.50% · 4.625%
HK$31,010
+HK$1,778/mo
Deposit HK$4.02M · loan HK$6.03M · min. income ≈ HK$58,464/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$375,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,601
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$31,422
−HK$832/mo
Today · 4.125%
HK$32,254
baseline
▲ 0.50% · 4.625%
HK$33,954
+HK$1,700/mo
Deposit HK$4.02M · loan HK$6.03M · min. income ≈ HK$64,508/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$375,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,091
−HK$2,013/mo
▼ 0.25% · 3.875%
HK$33,089
−HK$1,015/mo
Today · 4.125%
HK$34,104
baseline
▲ 0.50% · 4.625%
HK$36,179
+HK$2,075/mo
Deposit HK$3.02M · loan HK$7.04M · min. income ≈ HK$68,208/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$375,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,701
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$36,659
−HK$971/mo
Today · 4.125%
HK$37,630
baseline
▲ 0.50% · 4.625%
HK$39,613
+HK$1,983/mo
Deposit HK$3.02M · loan HK$7.04M · min. income ≈ HK$75,260/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$375,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,260
−HK$2,587/mo
▼ 0.25% · 3.875%
HK$42,544
−HK$1,303/mo
Today · 4.125%
HK$43,847
baseline
▲ 0.50% · 4.625%
HK$46,515
+HK$2,668/mo
Deposit HK$1.01M · loan HK$9.05M · min. income ≈ HK$87,694/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$375,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,901
−HK$2,480/mo
▼ 0.25% · 3.875%
HK$47,132
−HK$1,249/mo
Today · 4.125%
HK$48,381
baseline
▲ 0.50% · 4.625%
HK$50,932
+HK$2,551/mo
Deposit HK$1.01M · loan HK$9.05M · min. income ≈ HK$96,762/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$375,250 · Scale 2, in force from 26 Feb 2026)