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$22,992
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$23,707
−HK$727/mo
Today · 4.125%
HK$24,434
baseline
▲ 0.50% · 4.625%
HK$25,921
+HK$1,487/mo
Deposit HK$5.04M · loan HK$5.04M · min. income ≈ HK$48,868/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$378,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,579
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$26,265
−HK$696/mo
Today · 4.125%
HK$26,961
baseline
▲ 0.50% · 4.625%
HK$28,382
+HK$1,421/mo
Deposit HK$5.04M · loan HK$5.04M · min. income ≈ HK$53,922/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$378,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,591
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$28,449
−HK$872/mo
Today · 4.125%
HK$29,321
baseline
▲ 0.50% · 4.625%
HK$31,105
+HK$1,784/mo
Deposit HK$4.03M · loan HK$6.05M · min. income ≈ HK$58,642/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$378,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,694
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$31,518
−HK$835/mo
Today · 4.125%
HK$32,353
baseline
▲ 0.50% · 4.625%
HK$34,058
+HK$1,705/mo
Deposit HK$4.03M · loan HK$6.05M · min. income ≈ HK$64,706/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$378,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,189
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$33,190
−HK$1,018/mo
Today · 4.125%
HK$34,208
baseline
▲ 0.50% · 4.625%
HK$36,289
+HK$2,081/mo
Deposit HK$3.02M · loan HK$7.06M · min. income ≈ HK$68,416/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$378,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,810
−HK$1,935/mo
▼ 0.25% · 3.875%
HK$36,771
−HK$974/mo
Today · 4.125%
HK$37,745
baseline
▲ 0.50% · 4.625%
HK$39,734
+HK$1,989/mo
Deposit HK$3.02M · loan HK$7.06M · min. income ≈ HK$75,490/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$378,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,386
−HK$2,595/mo
▼ 0.25% · 3.875%
HK$42,673
−HK$1,308/mo
Today · 4.125%
HK$43,981
baseline
▲ 0.50% · 4.625%
HK$46,658
+HK$2,677/mo
Deposit HK$1.01M · loan HK$9.07M · min. income ≈ HK$87,962/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,042
−HK$2,487/mo
▼ 0.25% · 3.875%
HK$47,276
−HK$1,253/mo
Today · 4.125%
HK$48,529
baseline
▲ 0.50% · 4.625%
HK$51,087
+HK$2,558/mo
Deposit HK$1.01M · loan HK$9.07M · min. income ≈ HK$97,058/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,121 · Scale 2, in force from 26 Feb 2026)