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$22,955
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$23,669
−HK$726/mo
Today · 4.125%
HK$24,395
baseline
▲ 0.50% · 4.625%
HK$25,879
+HK$1,484/mo
Deposit HK$5.03M · loan HK$5.03M · min. income ≈ HK$48,790/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$376,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,538
−HK$1,379/mo
▼ 0.25% · 3.875%
HK$26,223
−HK$694/mo
Today · 4.125%
HK$26,917
baseline
▲ 0.50% · 4.625%
HK$28,336
+HK$1,419/mo
Deposit HK$5.03M · loan HK$5.03M · min. income ≈ HK$53,834/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$376,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,546
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$28,403
−HK$871/mo
Today · 4.125%
HK$29,274
baseline
▲ 0.50% · 4.625%
HK$31,055
+HK$1,781/mo
Deposit HK$4.03M · loan HK$6.04M · min. income ≈ HK$58,548/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$376,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,645
−HK$1,656/mo
▼ 0.25% · 3.875%
HK$31,467
−HK$834/mo
Today · 4.125%
HK$32,301
baseline
▲ 0.50% · 4.625%
HK$34,003
+HK$1,702/mo
Deposit HK$4.03M · loan HK$6.04M · min. income ≈ HK$64,602/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$376,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,138
−HK$2,015/mo
▼ 0.25% · 3.875%
HK$33,137
−HK$1,016/mo
Today · 4.125%
HK$34,153
baseline
▲ 0.50% · 4.625%
HK$36,231
+HK$2,078/mo
Deposit HK$3.02M · loan HK$7.05M · min. income ≈ HK$68,306/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$376,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,753
−HK$1,931/mo
▼ 0.25% · 3.875%
HK$36,712
−HK$972/mo
Today · 4.125%
HK$37,684
baseline
▲ 0.50% · 4.625%
HK$39,671
+HK$1,987/mo
Deposit HK$3.02M · loan HK$7.05M · min. income ≈ HK$75,368/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$376,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,320
−HK$2,591/mo
▼ 0.25% · 3.875%
HK$42,605
−HK$1,306/mo
Today · 4.125%
HK$43,911
baseline
▲ 0.50% · 4.625%
HK$46,583
+HK$2,672/mo
Deposit HK$1.01M · loan HK$9.06M · min. income ≈ HK$87,822/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$376,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,968
−HK$2,483/mo
▼ 0.25% · 3.875%
HK$47,201
−HK$1,250/mo
Today · 4.125%
HK$48,451
baseline
▲ 0.50% · 4.625%
HK$51,005
+HK$2,554/mo
Deposit HK$1.01M · loan HK$9.06M · min. income ≈ HK$96,902/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$376,702 · Scale 2, in force from 26 Feb 2026)