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$22,996
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$23,711
−HK$727/mo
Today · 4.125%
HK$24,438
baseline
▲ 0.50% · 4.625%
HK$25,925
+HK$1,487/mo
Deposit HK$5.04M · loan HK$5.04M · min. income ≈ HK$48,876/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$378,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,583
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$26,269
−HK$696/mo
Today · 4.125%
HK$26,965
baseline
▲ 0.50% · 4.625%
HK$28,386
+HK$1,421/mo
Deposit HK$5.04M · loan HK$5.04M · min. income ≈ HK$53,930/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$378,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,595
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$28,453
−HK$873/mo
Today · 4.125%
HK$29,326
baseline
▲ 0.50% · 4.625%
HK$31,110
+HK$1,784/mo
Deposit HK$4.03M · loan HK$6.05M · min. income ≈ HK$58,652/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$378,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,699
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$31,523
−HK$835/mo
Today · 4.125%
HK$32,358
baseline
▲ 0.50% · 4.625%
HK$34,063
+HK$1,705/mo
Deposit HK$4.03M · loan HK$6.05M · min. income ≈ HK$64,716/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$378,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,194
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$33,196
−HK$1,017/mo
Today · 4.125%
HK$34,213
baseline
▲ 0.50% · 4.625%
HK$36,295
+HK$2,082/mo
Deposit HK$3.03M · loan HK$7.06M · min. income ≈ HK$68,426/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$378,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,816
−HK$1,935/mo
▼ 0.25% · 3.875%
HK$36,776
−HK$975/mo
Today · 4.125%
HK$37,751
baseline
▲ 0.50% · 4.625%
HK$39,741
+HK$1,990/mo
Deposit HK$3.03M · loan HK$7.06M · min. income ≈ HK$75,502/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$378,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,393
−HK$2,595/mo
▼ 0.25% · 3.875%
HK$42,680
−HK$1,308/mo
Today · 4.125%
HK$43,988
baseline
▲ 0.50% · 4.625%
HK$46,665
+HK$2,677/mo
Deposit HK$1.01M · loan HK$9.08M · min. income ≈ HK$87,976/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,049
−HK$2,488/mo
▼ 0.25% · 3.875%
HK$47,284
−HK$1,253/mo
Today · 4.125%
HK$48,537
baseline
▲ 0.50% · 4.625%
HK$51,095
+HK$2,558/mo
Deposit HK$1.01M · loan HK$9.08M · min. income ≈ HK$97,074/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,180 · Scale 2, in force from 26 Feb 2026)