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$22,967
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$23,681
−HK$726/mo
Today · 4.125%
HK$24,407
baseline
▲ 0.50% · 4.625%
HK$25,892
+HK$1,485/mo
Deposit HK$5.04M · loan HK$5.04M · min. income ≈ HK$48,814/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$377,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,550
−HK$1,381/mo
▼ 0.25% · 3.875%
HK$26,235
−HK$696/mo
Today · 4.125%
HK$26,931
baseline
▲ 0.50% · 4.625%
HK$28,350
+HK$1,419/mo
Deposit HK$5.04M · loan HK$5.04M · min. income ≈ HK$53,862/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$377,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,560
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$28,417
−HK$871/mo
Today · 4.125%
HK$29,288
baseline
▲ 0.50% · 4.625%
HK$31,070
+HK$1,782/mo
Deposit HK$4.03M · loan HK$6.04M · min. income ≈ HK$58,576/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$377,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,660
−HK$1,657/mo
▼ 0.25% · 3.875%
HK$31,483
−HK$834/mo
Today · 4.125%
HK$32,317
baseline
▲ 0.50% · 4.625%
HK$34,020
+HK$1,703/mo
Deposit HK$4.03M · loan HK$6.04M · min. income ≈ HK$64,634/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$377,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,153
−HK$2,017/mo
▼ 0.25% · 3.875%
HK$33,154
−HK$1,016/mo
Today · 4.125%
HK$34,170
baseline
▲ 0.50% · 4.625%
HK$36,249
+HK$2,079/mo
Deposit HK$3.02M · loan HK$7.05M · min. income ≈ HK$68,340/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$377,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,770
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$36,730
−HK$973/mo
Today · 4.125%
HK$37,703
baseline
▲ 0.50% · 4.625%
HK$39,690
+HK$1,987/mo
Deposit HK$3.02M · loan HK$7.05M · min. income ≈ HK$75,406/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$377,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,340
−HK$2,592/mo
▼ 0.25% · 3.875%
HK$42,626
−HK$1,306/mo
Today · 4.125%
HK$43,932
baseline
▲ 0.50% · 4.625%
HK$46,606
+HK$2,674/mo
Deposit HK$1.01M · loan HK$9.06M · min. income ≈ HK$87,864/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$377,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,990
−HK$2,485/mo
▼ 0.25% · 3.875%
HK$47,224
−HK$1,251/mo
Today · 4.125%
HK$48,475
baseline
▲ 0.50% · 4.625%
HK$51,030
+HK$2,555/mo
Deposit HK$1.01M · loan HK$9.06M · min. income ≈ HK$96,950/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$377,198 · Scale 2, in force from 26 Feb 2026)