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$22,954
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$23,668
−HK$726/mo
Today · 4.125%
HK$24,394
baseline
▲ 0.50% · 4.625%
HK$25,878
+HK$1,484/mo
Deposit HK$5.03M · loan HK$5.03M · min. income ≈ HK$48,788/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$376,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,536
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$26,221
−HK$695/mo
Today · 4.125%
HK$26,916
baseline
▲ 0.50% · 4.625%
HK$28,335
+HK$1,419/mo
Deposit HK$5.03M · loan HK$5.03M · min. income ≈ HK$53,832/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$376,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,545
−HK$1,727/mo
▼ 0.25% · 3.875%
HK$28,402
−HK$870/mo
Today · 4.125%
HK$29,272
baseline
▲ 0.50% · 4.625%
HK$31,053
+HK$1,781/mo
Deposit HK$4.03M · loan HK$6.04M · min. income ≈ HK$58,544/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$376,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,644
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$31,465
−HK$834/mo
Today · 4.125%
HK$32,299
baseline
▲ 0.50% · 4.625%
HK$34,002
+HK$1,703/mo
Deposit HK$4.03M · loan HK$6.04M · min. income ≈ HK$64,598/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$376,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,136
−HK$2,015/mo
▼ 0.25% · 3.875%
HK$33,135
−HK$1,016/mo
Today · 4.125%
HK$34,151
baseline
▲ 0.50% · 4.625%
HK$36,229
+HK$2,078/mo
Deposit HK$3.02M · loan HK$7.05M · min. income ≈ HK$68,302/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$376,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,751
−HK$1,931/mo
▼ 0.25% · 3.875%
HK$36,710
−HK$972/mo
Today · 4.125%
HK$37,682
baseline
▲ 0.50% · 4.625%
HK$39,669
+HK$1,987/mo
Deposit HK$3.02M · loan HK$7.05M · min. income ≈ HK$75,364/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$376,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,317
−HK$2,591/mo
▼ 0.25% · 3.875%
HK$42,603
−HK$1,305/mo
Today · 4.125%
HK$43,908
baseline
▲ 0.50% · 4.625%
HK$46,580
+HK$2,672/mo
Deposit HK$1.01M · loan HK$9.06M · min. income ≈ HK$87,816/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$376,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,965
−HK$2,484/mo
▼ 0.25% · 3.875%
HK$47,198
−HK$1,251/mo
Today · 4.125%
HK$48,449
baseline
▲ 0.50% · 4.625%
HK$51,002
+HK$2,553/mo
Deposit HK$1.01M · loan HK$9.06M · min. income ≈ HK$96,898/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$376,649 · Scale 2, in force from 26 Feb 2026)