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$22,979
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$23,694
−HK$726/mo
Today · 4.125%
HK$24,420
baseline
▲ 0.50% · 4.625%
HK$25,906
+HK$1,486/mo
Deposit HK$5.04M · loan HK$5.04M · min. income ≈ HK$48,840/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$377,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,564
−HK$1,381/mo
▼ 0.25% · 3.875%
HK$26,250
−HK$695/mo
Today · 4.125%
HK$26,945
baseline
▲ 0.50% · 4.625%
HK$28,365
+HK$1,420/mo
Deposit HK$5.04M · loan HK$5.04M · min. income ≈ HK$53,890/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$377,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,575
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$28,433
−HK$871/mo
Today · 4.125%
HK$29,304
baseline
▲ 0.50% · 4.625%
HK$31,087
+HK$1,783/mo
Deposit HK$4.03M · loan HK$6.05M · min. income ≈ HK$58,608/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$377,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,677
−HK$1,657/mo
▼ 0.25% · 3.875%
HK$31,500
−HK$834/mo
Today · 4.125%
HK$32,334
baseline
▲ 0.50% · 4.625%
HK$34,039
+HK$1,705/mo
Deposit HK$4.03M · loan HK$6.05M · min. income ≈ HK$64,668/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$377,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,171
−HK$2,017/mo
▼ 0.25% · 3.875%
HK$33,171
−HK$1,017/mo
Today · 4.125%
HK$34,188
baseline
▲ 0.50% · 4.625%
HK$36,268
+HK$2,080/mo
Deposit HK$3.02M · loan HK$7.05M · min. income ≈ HK$68,376/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$377,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,790
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$36,749
−HK$974/mo
Today · 4.125%
HK$37,723
baseline
▲ 0.50% · 4.625%
HK$39,712
+HK$1,989/mo
Deposit HK$3.02M · loan HK$7.05M · min. income ≈ HK$75,446/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$377,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,362
−HK$2,594/mo
▼ 0.25% · 3.875%
HK$42,649
−HK$1,307/mo
Today · 4.125%
HK$43,956
baseline
▲ 0.50% · 4.625%
HK$46,631
+HK$2,675/mo
Deposit HK$1.01M · loan HK$9.07M · min. income ≈ HK$87,912/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$377,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,015
−HK$2,486/mo
▼ 0.25% · 3.875%
HK$47,249
−HK$1,252/mo
Today · 4.125%
HK$48,501
baseline
▲ 0.50% · 4.625%
HK$51,058
+HK$2,557/mo
Deposit HK$1.01M · loan HK$9.07M · min. income ≈ HK$97,002/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$377,741 · Scale 2, in force from 26 Feb 2026)