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$22,952
−HK$1,439/mo
▼ 0.25% · 3.875%
HK$23,666
−HK$725/mo
Today · 4.125%
HK$24,391
baseline
▲ 0.50% · 4.625%
HK$25,875
+HK$1,484/mo
Deposit HK$5.03M · loan HK$5.03M · min. income ≈ HK$48,782/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$376,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,534
−HK$1,379/mo
▼ 0.25% · 3.875%
HK$26,219
−HK$694/mo
Today · 4.125%
HK$26,913
baseline
▲ 0.50% · 4.625%
HK$28,332
+HK$1,419/mo
Deposit HK$5.03M · loan HK$5.03M · min. income ≈ HK$53,826/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$376,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,542
−HK$1,727/mo
▼ 0.25% · 3.875%
HK$28,399
−HK$870/mo
Today · 4.125%
HK$29,269
baseline
▲ 0.50% · 4.625%
HK$31,050
+HK$1,781/mo
Deposit HK$4.03M · loan HK$6.04M · min. income ≈ HK$58,538/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$376,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,641
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$31,462
−HK$834/mo
Today · 4.125%
HK$32,296
baseline
▲ 0.50% · 4.625%
HK$33,998
+HK$1,702/mo
Deposit HK$4.03M · loan HK$6.04M · min. income ≈ HK$64,592/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$376,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,133
−HK$2,015/mo
▼ 0.25% · 3.875%
HK$33,132
−HK$1,016/mo
Today · 4.125%
HK$34,148
baseline
▲ 0.50% · 4.625%
HK$36,225
+HK$2,077/mo
Deposit HK$3.02M · loan HK$7.05M · min. income ≈ HK$68,296/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$376,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,747
−HK$1,932/mo
▼ 0.25% · 3.875%
HK$36,706
−HK$973/mo
Today · 4.125%
HK$37,679
baseline
▲ 0.50% · 4.625%
HK$39,665
+HK$1,986/mo
Deposit HK$3.02M · loan HK$7.05M · min. income ≈ HK$75,358/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$376,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,313
−HK$2,591/mo
▼ 0.25% · 3.875%
HK$42,599
−HK$1,305/mo
Today · 4.125%
HK$43,904
baseline
▲ 0.50% · 4.625%
HK$46,576
+HK$2,672/mo
Deposit HK$1.01M · loan HK$9.06M · min. income ≈ HK$87,808/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$376,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,961
−HK$2,483/mo
▼ 0.25% · 3.875%
HK$47,193
−HK$1,251/mo
Today · 4.125%
HK$48,444
baseline
▲ 0.50% · 4.625%
HK$50,997
+HK$2,553/mo
Deposit HK$1.01M · loan HK$9.06M · min. income ≈ HK$96,888/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$376,550 · Scale 2, in force from 26 Feb 2026)