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$22,991
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$23,706
−HK$727/mo
Today · 4.125%
HK$24,433
baseline
▲ 0.50% · 4.625%
HK$25,920
+HK$1,487/mo
Deposit HK$5.04M · loan HK$5.04M · min. income ≈ HK$48,866/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$378,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,578
−HK$1,381/mo
▼ 0.25% · 3.875%
HK$26,264
−HK$695/mo
Today · 4.125%
HK$26,959
baseline
▲ 0.50% · 4.625%
HK$28,381
+HK$1,422/mo
Deposit HK$5.04M · loan HK$5.04M · min. income ≈ HK$53,918/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$378,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,590
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$28,448
−HK$872/mo
Today · 4.125%
HK$29,320
baseline
▲ 0.50% · 4.625%
HK$31,104
+HK$1,784/mo
Deposit HK$4.03M · loan HK$6.05M · min. income ≈ HK$58,640/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$378,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,693
−HK$1,658/mo
▼ 0.25% · 3.875%
HK$31,516
−HK$835/mo
Today · 4.125%
HK$32,351
baseline
▲ 0.50% · 4.625%
HK$34,057
+HK$1,706/mo
Deposit HK$4.03M · loan HK$6.05M · min. income ≈ HK$64,702/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$378,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,188
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$33,189
−HK$1,017/mo
Today · 4.125%
HK$34,206
baseline
▲ 0.50% · 4.625%
HK$36,288
+HK$2,082/mo
Deposit HK$3.02M · loan HK$7.06M · min. income ≈ HK$68,412/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$378,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,809
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$36,769
−HK$974/mo
Today · 4.125%
HK$37,743
baseline
▲ 0.50% · 4.625%
HK$39,733
+HK$1,990/mo
Deposit HK$3.02M · loan HK$7.06M · min. income ≈ HK$75,486/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$378,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,384
−HK$2,595/mo
▼ 0.25% · 3.875%
HK$42,672
−HK$1,307/mo
Today · 4.125%
HK$43,979
baseline
▲ 0.50% · 4.625%
HK$46,656
+HK$2,677/mo
Deposit HK$1.01M · loan HK$9.07M · min. income ≈ HK$87,958/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,040
−HK$2,487/mo
▼ 0.25% · 3.875%
HK$47,274
−HK$1,253/mo
Today · 4.125%
HK$48,527
baseline
▲ 0.50% · 4.625%
HK$51,085
+HK$2,558/mo
Deposit HK$1.01M · loan HK$9.07M · min. income ≈ HK$97,054/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,104 · Scale 2, in force from 26 Feb 2026)