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$22,958
−HK$1,439/mo
▼ 0.25% · 3.875%
HK$23,672
−HK$725/mo
Today · 4.125%
HK$24,397
baseline
▲ 0.50% · 4.625%
HK$25,882
+HK$1,485/mo
Deposit HK$5.03M · loan HK$5.03M · min. income ≈ HK$48,794/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$376,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,540
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$26,225
−HK$695/mo
Today · 4.125%
HK$26,920
baseline
▲ 0.50% · 4.625%
HK$28,339
+HK$1,419/mo
Deposit HK$5.03M · loan HK$5.03M · min. income ≈ HK$53,840/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$376,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,549
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$28,406
−HK$871/mo
Today · 4.125%
HK$29,277
baseline
▲ 0.50% · 4.625%
HK$31,058
+HK$1,781/mo
Deposit HK$4.03M · loan HK$6.04M · min. income ≈ HK$58,554/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$376,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,648
−HK$1,656/mo
▼ 0.25% · 3.875%
HK$31,470
−HK$834/mo
Today · 4.125%
HK$32,304
baseline
▲ 0.50% · 4.625%
HK$34,007
+HK$1,703/mo
Deposit HK$4.03M · loan HK$6.04M · min. income ≈ HK$64,608/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$376,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,141
−HK$2,015/mo
▼ 0.25% · 3.875%
HK$33,140
−HK$1,016/mo
Today · 4.125%
HK$34,156
baseline
▲ 0.50% · 4.625%
HK$36,234
+HK$2,078/mo
Deposit HK$3.02M · loan HK$7.05M · min. income ≈ HK$68,312/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$376,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,756
−HK$1,932/mo
▼ 0.25% · 3.875%
HK$36,715
−HK$973/mo
Today · 4.125%
HK$37,688
baseline
▲ 0.50% · 4.625%
HK$39,674
+HK$1,986/mo
Deposit HK$3.02M · loan HK$7.05M · min. income ≈ HK$75,376/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$376,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,324
−HK$2,591/mo
▼ 0.25% · 3.875%
HK$42,609
−HK$1,306/mo
Today · 4.125%
HK$43,915
baseline
▲ 0.50% · 4.625%
HK$46,587
+HK$2,672/mo
Deposit HK$1.01M · loan HK$9.06M · min. income ≈ HK$87,830/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$376,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,972
−HK$2,484/mo
▼ 0.25% · 3.875%
HK$47,205
−HK$1,251/mo
Today · 4.125%
HK$48,456
baseline
▲ 0.50% · 4.625%
HK$51,010
+HK$2,554/mo
Deposit HK$1.01M · loan HK$9.06M · min. income ≈ HK$96,912/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$376,797 · Scale 2, in force from 26 Feb 2026)