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$22,975
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$23,690
−HK$726/mo
Today · 4.125%
HK$24,416
baseline
▲ 0.50% · 4.625%
HK$25,902
+HK$1,486/mo
Deposit HK$5.04M · loan HK$5.04M · min. income ≈ HK$48,832/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$377,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,560
−HK$1,381/mo
▼ 0.25% · 3.875%
HK$26,245
−HK$696/mo
Today · 4.125%
HK$26,941
baseline
▲ 0.50% · 4.625%
HK$28,361
+HK$1,420/mo
Deposit HK$5.04M · loan HK$5.04M · min. income ≈ HK$53,882/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$377,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,570
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$28,428
−HK$871/mo
Today · 4.125%
HK$29,299
baseline
▲ 0.50% · 4.625%
HK$31,082
+HK$1,783/mo
Deposit HK$4.03M · loan HK$6.05M · min. income ≈ HK$58,598/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$377,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,672
−HK$1,657/mo
▼ 0.25% · 3.875%
HK$31,494
−HK$835/mo
Today · 4.125%
HK$32,329
baseline
▲ 0.50% · 4.625%
HK$34,033
+HK$1,704/mo
Deposit HK$4.03M · loan HK$6.05M · min. income ≈ HK$64,658/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$377,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,165
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$33,166
−HK$1,017/mo
Today · 4.125%
HK$34,183
baseline
▲ 0.50% · 4.625%
HK$36,262
+HK$2,079/mo
Deposit HK$3.02M · loan HK$7.05M · min. income ≈ HK$68,366/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$377,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,784
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$36,743
−HK$974/mo
Today · 4.125%
HK$37,717
baseline
▲ 0.50% · 4.625%
HK$39,705
+HK$1,988/mo
Deposit HK$3.02M · loan HK$7.05M · min. income ≈ HK$75,434/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$377,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,356
−HK$2,593/mo
▼ 0.25% · 3.875%
HK$42,642
−HK$1,307/mo
Today · 4.125%
HK$43,949
baseline
▲ 0.50% · 4.625%
HK$46,623
+HK$2,674/mo
Deposit HK$1.01M · loan HK$9.07M · min. income ≈ HK$87,898/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$377,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,008
−HK$2,485/mo
▼ 0.25% · 3.875%
HK$47,242
−HK$1,251/mo
Today · 4.125%
HK$48,493
baseline
▲ 0.50% · 4.625%
HK$51,050
+HK$2,557/mo
Deposit HK$1.01M · loan HK$9.07M · min. income ≈ HK$96,986/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$377,578 · Scale 2, in force from 26 Feb 2026)