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$25,876
+HK$1,485/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$376,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,534
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$26,219
−HK$695/mo
Today · 4.125%
HK$26,914
baseline
▲ 0.50% · 4.625%
HK$28,332
+HK$1,418/mo
Deposit HK$5.03M · loan HK$5.03M · min. income ≈ HK$53,828/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$376,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,543
−HK$1,727/mo
▼ 0.25% · 3.875%
HK$28,399
−HK$871/mo
Today · 4.125%
HK$29,270
baseline
▲ 0.50% · 4.625%
HK$31,051
+HK$1,781/mo
Deposit HK$4.03M · loan HK$6.04M · min. income ≈ HK$58,540/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$376,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,641
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$31,463
−HK$833/mo
Today · 4.125%
HK$32,296
baseline
▲ 0.50% · 4.625%
HK$33,999
+HK$1,703/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$376,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,133
−HK$2,015/mo
▼ 0.25% · 3.875%
HK$33,133
−HK$1,015/mo
Today · 4.125%
HK$34,148
baseline
▲ 0.50% · 4.625%
HK$36,226
+HK$2,078/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$376,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,748
−HK$1,931/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$376,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,314
−HK$2,591/mo
▼ 0.25% · 3.875%
HK$42,599
−HK$1,306/mo
Today · 4.125%
HK$43,905
baseline
▲ 0.50% · 4.625%
HK$46,576
+HK$2,671/mo
Deposit HK$1.01M · loan HK$9.06M · min. income ≈ HK$87,810/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$376,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,961
−HK$2,483/mo
▼ 0.25% · 3.875%
HK$47,194
−HK$1,250/mo
Today · 4.125%
HK$48,444
baseline
▲ 0.50% · 4.625%
HK$50,998
+HK$2,554/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$376,560 · Scale 2, in force from 26 Feb 2026)