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$23,002
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$23,717
−HK$727/mo
Today · 4.125%
HK$24,444
baseline
▲ 0.50% · 4.625%
HK$25,932
+HK$1,488/mo
Deposit HK$5.04M · loan HK$5.04M · min. income ≈ HK$48,888/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$378,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,589
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$26,276
−HK$696/mo
Today · 4.125%
HK$26,972
baseline
▲ 0.50% · 4.625%
HK$28,393
+HK$1,421/mo
Deposit HK$5.04M · loan HK$5.04M · min. income ≈ HK$53,944/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$378,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,602
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$28,461
−HK$872/mo
Today · 4.125%
HK$29,333
baseline
▲ 0.50% · 4.625%
HK$31,118
+HK$1,785/mo
Deposit HK$4.03M · loan HK$6.05M · min. income ≈ HK$58,666/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$378,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,707
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$31,531
−HK$835/mo
Today · 4.125%
HK$32,366
baseline
▲ 0.50% · 4.625%
HK$34,072
+HK$1,706/mo
Deposit HK$4.03M · loan HK$6.05M · min. income ≈ HK$64,732/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$378,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,202
−HK$2,020/mo
▼ 0.25% · 3.875%
HK$33,204
−HK$1,018/mo
Today · 4.125%
HK$34,222
baseline
▲ 0.50% · 4.625%
HK$36,304
+HK$2,082/mo
Deposit HK$3.03M · loan HK$7.06M · min. income ≈ HK$68,444/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$378,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,825
−HK$1,935/mo
▼ 0.25% · 3.875%
HK$36,786
−HK$974/mo
Today · 4.125%
HK$37,760
baseline
▲ 0.50% · 4.625%
HK$39,751
+HK$1,991/mo
Deposit HK$3.03M · loan HK$7.06M · min. income ≈ HK$75,520/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$378,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,403
−HK$2,597/mo
▼ 0.25% · 3.875%
HK$42,691
−HK$1,309/mo
Today · 4.125%
HK$44,000
baseline
▲ 0.50% · 4.625%
HK$46,677
+HK$2,677/mo
Deposit HK$1.01M · loan HK$9.08M · min. income ≈ HK$88,000/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,061
−HK$2,488/mo
▼ 0.25% · 3.875%
HK$47,296
−HK$1,253/mo
Today · 4.125%
HK$48,549
baseline
▲ 0.50% · 4.625%
HK$51,108
+HK$2,559/mo
Deposit HK$1.01M · loan HK$9.08M · min. income ≈ HK$97,098/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,277 · Scale 2, in force from 26 Feb 2026)