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$22,983
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$23,698
−HK$727/mo
Today · 4.125%
HK$24,425
baseline
▲ 0.50% · 4.625%
HK$25,911
+HK$1,486/mo
Deposit HK$5.04M · loan HK$5.04M · min. income ≈ HK$48,850/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$377,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,569
−HK$1,381/mo
▼ 0.25% · 3.875%
HK$26,255
−HK$695/mo
Today · 4.125%
HK$26,950
baseline
▲ 0.50% · 4.625%
HK$28,371
+HK$1,421/mo
Deposit HK$5.04M · loan HK$5.04M · min. income ≈ HK$53,900/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$377,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,580
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$28,438
−HK$872/mo
Today · 4.125%
HK$29,310
baseline
▲ 0.50% · 4.625%
HK$31,093
+HK$1,783/mo
Deposit HK$4.03M · loan HK$6.05M · min. income ≈ HK$58,620/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$377,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,683
−HK$1,657/mo
▼ 0.25% · 3.875%
HK$31,506
−HK$834/mo
Today · 4.125%
HK$32,340
baseline
▲ 0.50% · 4.625%
HK$34,045
+HK$1,705/mo
Deposit HK$4.03M · loan HK$6.05M · min. income ≈ HK$64,680/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$377,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,177
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$33,178
−HK$1,017/mo
Today · 4.125%
HK$34,195
baseline
▲ 0.50% · 4.625%
HK$36,275
+HK$2,080/mo
Deposit HK$3.02M · loan HK$7.06M · min. income ≈ HK$68,390/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$377,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,796
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$36,756
−HK$974/mo
Today · 4.125%
HK$37,730
baseline
▲ 0.50% · 4.625%
HK$39,719
+HK$1,989/mo
Deposit HK$3.02M · loan HK$7.06M · min. income ≈ HK$75,460/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$377,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,370
−HK$2,595/mo
▼ 0.25% · 3.875%
HK$42,657
−HK$1,308/mo
Today · 4.125%
HK$43,965
baseline
▲ 0.50% · 4.625%
HK$46,640
+HK$2,675/mo
Deposit HK$1.01M · loan HK$9.07M · min. income ≈ HK$87,930/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$377,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,024
−HK$2,487/mo
▼ 0.25% · 3.875%
HK$47,258
−HK$1,253/mo
Today · 4.125%
HK$48,511
baseline
▲ 0.50% · 4.625%
HK$51,068
+HK$2,557/mo
Deposit HK$1.01M · loan HK$9.07M · min. income ≈ HK$97,022/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$377,934 · Scale 2, in force from 26 Feb 2026)