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$22,921
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$23,634
−HK$724/mo
Today · 4.125%
HK$24,358
baseline
▲ 0.50% · 4.625%
HK$25,840
+HK$1,482/mo
Deposit HK$5.03M · loan HK$5.03M · min. income ≈ HK$48,716/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$375,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,499
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$26,183
−HK$694/mo
Today · 4.125%
HK$26,877
baseline
▲ 0.50% · 4.625%
HK$28,293
+HK$1,416/mo
Deposit HK$5.03M · loan HK$5.03M · min. income ≈ HK$53,754/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$375,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,505
−HK$1,725/mo
▼ 0.25% · 3.875%
HK$28,360
−HK$870/mo
Today · 4.125%
HK$29,230
baseline
▲ 0.50% · 4.625%
HK$31,008
+HK$1,778/mo
Deposit HK$4.02M · loan HK$6.03M · min. income ≈ HK$58,460/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$375,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,599
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$31,419
−HK$833/mo
Today · 4.125%
HK$32,252
baseline
▲ 0.50% · 4.625%
HK$33,952
+HK$1,700/mo
Deposit HK$4.02M · loan HK$6.03M · min. income ≈ HK$64,504/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$375,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,089
−HK$2,012/mo
▼ 0.25% · 3.875%
HK$33,087
−HK$1,014/mo
Today · 4.125%
HK$34,101
baseline
▲ 0.50% · 4.625%
HK$36,176
+HK$2,075/mo
Deposit HK$3.02M · loan HK$7.04M · min. income ≈ HK$68,202/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$375,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,699
−HK$1,928/mo
▼ 0.25% · 3.875%
HK$36,656
−HK$971/mo
Today · 4.125%
HK$37,627
baseline
▲ 0.50% · 4.625%
HK$39,611
+HK$1,984/mo
Deposit HK$3.02M · loan HK$7.04M · min. income ≈ HK$75,254/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$375,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,257
−HK$2,587/mo
▼ 0.25% · 3.875%
HK$42,541
−HK$1,303/mo
Today · 4.125%
HK$43,844
baseline
▲ 0.50% · 4.625%
HK$46,512
+HK$2,668/mo
Deposit HK$1.01M · loan HK$9.05M · min. income ≈ HK$87,688/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$375,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,898
−HK$2,480/mo
▼ 0.25% · 3.875%
HK$47,129
−HK$1,249/mo
Today · 4.125%
HK$48,378
baseline
▲ 0.50% · 4.625%
HK$50,928
+HK$2,550/mo
Deposit HK$1.01M · loan HK$9.05M · min. income ≈ HK$96,756/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$375,180 · Scale 2, in force from 26 Feb 2026)