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$23,005
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$23,721
−HK$727/mo
Today · 4.125%
HK$24,448
baseline
▲ 0.50% · 4.625%
HK$25,936
+HK$1,488/mo
Deposit HK$5.04M · loan HK$5.04M · min. income ≈ HK$48,896/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$378,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,593
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$26,280
−HK$696/mo
Today · 4.125%
HK$26,976
baseline
▲ 0.50% · 4.625%
HK$28,398
+HK$1,422/mo
Deposit HK$5.04M · loan HK$5.04M · min. income ≈ HK$53,952/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$378,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,607
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$28,465
−HK$873/mo
Today · 4.125%
HK$29,338
baseline
▲ 0.50% · 4.625%
HK$31,123
+HK$1,785/mo
Deposit HK$4.04M · loan HK$6.05M · min. income ≈ HK$58,676/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$378,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,712
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$31,536
−HK$835/mo
Today · 4.125%
HK$32,371
baseline
▲ 0.50% · 4.625%
HK$34,078
+HK$1,707/mo
Deposit HK$4.04M · loan HK$6.05M · min. income ≈ HK$64,742/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$378,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,208
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$33,209
−HK$1,018/mo
Today · 4.125%
HK$34,227
baseline
▲ 0.50% · 4.625%
HK$36,310
+HK$2,083/mo
Deposit HK$3.03M · loan HK$7.06M · min. income ≈ HK$68,454/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,831
−HK$1,935/mo
▼ 0.25% · 3.875%
HK$36,792
−HK$974/mo
Today · 4.125%
HK$37,766
baseline
▲ 0.50% · 4.625%
HK$39,757
+HK$1,991/mo
Deposit HK$3.03M · loan HK$7.06M · min. income ≈ HK$75,532/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,410
−HK$2,597/mo
▼ 0.25% · 3.875%
HK$42,698
−HK$1,309/mo
Today · 4.125%
HK$44,007
baseline
▲ 0.50% · 4.625%
HK$46,684
+HK$2,677/mo
Deposit HK$1.01M · loan HK$9.08M · min. income ≈ HK$88,014/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,068
−HK$2,489/mo
▼ 0.25% · 3.875%
HK$47,303
−HK$1,254/mo
Today · 4.125%
HK$48,557
baseline
▲ 0.50% · 4.625%
HK$51,116
+HK$2,559/mo
Deposit HK$1.01M · loan HK$9.08M · min. income ≈ HK$97,114/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,337 · Scale 2, in force from 26 Feb 2026)