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$22,971
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$23,686
−HK$726/mo
Today · 4.125%
HK$24,412
baseline
▲ 0.50% · 4.625%
HK$25,897
+HK$1,485/mo
Deposit HK$5.04M · loan HK$5.04M · min. income ≈ HK$48,824/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$377,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,555
−HK$1,381/mo
▼ 0.25% · 3.875%
HK$26,240
−HK$696/mo
Today · 4.125%
HK$26,936
baseline
▲ 0.50% · 4.625%
HK$28,356
+HK$1,420/mo
Deposit HK$5.04M · loan HK$5.04M · min. income ≈ HK$53,872/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$377,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,565
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$28,423
−HK$871/mo
Today · 4.125%
HK$29,294
baseline
▲ 0.50% · 4.625%
HK$31,076
+HK$1,782/mo
Deposit HK$4.03M · loan HK$6.04M · min. income ≈ HK$58,588/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$377,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,666
−HK$1,657/mo
▼ 0.25% · 3.875%
HK$31,489
−HK$834/mo
Today · 4.125%
HK$32,323
baseline
▲ 0.50% · 4.625%
HK$34,027
+HK$1,704/mo
Deposit HK$4.03M · loan HK$6.04M · min. income ≈ HK$64,646/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$377,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,159
−HK$2,017/mo
▼ 0.25% · 3.875%
HK$33,160
−HK$1,016/mo
Today · 4.125%
HK$34,176
baseline
▲ 0.50% · 4.625%
HK$36,256
+HK$2,080/mo
Deposit HK$3.02M · loan HK$7.05M · min. income ≈ HK$68,352/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$377,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,777
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$36,737
−HK$973/mo
Today · 4.125%
HK$37,710
baseline
▲ 0.50% · 4.625%
HK$39,698
+HK$1,988/mo
Deposit HK$3.02M · loan HK$7.05M · min. income ≈ HK$75,420/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$377,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,348
−HK$2,593/mo
▼ 0.25% · 3.875%
HK$42,634
−HK$1,307/mo
Today · 4.125%
HK$43,941
baseline
▲ 0.50% · 4.625%
HK$46,614
+HK$2,673/mo
Deposit HK$1.01M · loan HK$9.07M · min. income ≈ HK$87,882/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$377,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,999
−HK$2,485/mo
▼ 0.25% · 3.875%
HK$47,233
−HK$1,251/mo
Today · 4.125%
HK$48,484
baseline
▲ 0.50% · 4.625%
HK$51,040
+HK$2,556/mo
Deposit HK$1.01M · loan HK$9.07M · min. income ≈ HK$96,968/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$377,390 · Scale 2, in force from 26 Feb 2026)