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$22,980
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$23,695
−HK$726/mo
Today · 4.125%
HK$24,421
baseline
▲ 0.50% · 4.625%
HK$25,907
+HK$1,486/mo
Deposit HK$5.04M · loan HK$5.04M · min. income ≈ HK$48,842/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$377,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,565
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$26,251
−HK$696/mo
Today · 4.125%
HK$26,947
baseline
▲ 0.50% · 4.625%
HK$28,367
+HK$1,420/mo
Deposit HK$5.04M · loan HK$5.04M · min. income ≈ HK$53,894/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$377,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,576
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$28,434
−HK$872/mo
Today · 4.125%
HK$29,306
baseline
▲ 0.50% · 4.625%
HK$31,089
+HK$1,783/mo
Deposit HK$4.03M · loan HK$6.05M · min. income ≈ HK$58,612/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$377,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,678
−HK$1,658/mo
▼ 0.25% · 3.875%
HK$31,501
−HK$835/mo
Today · 4.125%
HK$32,336
baseline
▲ 0.50% · 4.625%
HK$34,040
+HK$1,704/mo
Deposit HK$4.03M · loan HK$6.05M · min. income ≈ HK$64,672/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$377,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,172
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$33,173
−HK$1,017/mo
Today · 4.125%
HK$34,190
baseline
▲ 0.50% · 4.625%
HK$36,270
+HK$2,080/mo
Deposit HK$3.02M · loan HK$7.05M · min. income ≈ HK$68,380/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$377,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,792
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$36,751
−HK$974/mo
Today · 4.125%
HK$37,725
baseline
▲ 0.50% · 4.625%
HK$39,714
+HK$1,989/mo
Deposit HK$3.02M · loan HK$7.05M · min. income ≈ HK$75,450/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$377,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,365
−HK$2,594/mo
▼ 0.25% · 3.875%
HK$42,651
−HK$1,308/mo
Today · 4.125%
HK$43,959
baseline
▲ 0.50% · 4.625%
HK$46,633
+HK$2,674/mo
Deposit HK$1.01M · loan HK$9.07M · min. income ≈ HK$87,918/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$377,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,018
−HK$2,486/mo
▼ 0.25% · 3.875%
HK$47,252
−HK$1,252/mo
Today · 4.125%
HK$48,504
baseline
▲ 0.50% · 4.625%
HK$51,061
+HK$2,557/mo
Deposit HK$1.01M · loan HK$9.07M · min. income ≈ HK$97,008/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$377,797 · Scale 2, in force from 26 Feb 2026)