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$22,962
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$23,676
−HK$726/mo
Today · 4.125%
HK$24,402
baseline
▲ 0.50% · 4.625%
HK$25,887
+HK$1,485/mo
Deposit HK$5.04M · loan HK$5.04M · min. income ≈ HK$48,804/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$377,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,545
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$26,230
−HK$695/mo
Today · 4.125%
HK$26,925
baseline
▲ 0.50% · 4.625%
HK$28,345
+HK$1,420/mo
Deposit HK$5.04M · loan HK$5.04M · min. income ≈ HK$53,850/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$377,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,555
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$28,412
−HK$871/mo
Today · 4.125%
HK$29,283
baseline
▲ 0.50% · 4.625%
HK$31,064
+HK$1,781/mo
Deposit HK$4.03M · loan HK$6.04M · min. income ≈ HK$58,566/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$377,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,654
−HK$1,656/mo
▼ 0.25% · 3.875%
HK$31,476
−HK$834/mo
Today · 4.125%
HK$32,310
baseline
▲ 0.50% · 4.625%
HK$34,014
+HK$1,704/mo
Deposit HK$4.03M · loan HK$6.04M · min. income ≈ HK$64,620/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$377,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,147
−HK$2,016/mo
▼ 0.25% · 3.875%
HK$33,147
−HK$1,016/mo
Today · 4.125%
HK$34,163
baseline
▲ 0.50% · 4.625%
HK$36,242
+HK$2,079/mo
Deposit HK$3.02M · loan HK$7.05M · min. income ≈ HK$68,326/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$377,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,763
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$36,723
−HK$973/mo
Today · 4.125%
HK$37,696
baseline
▲ 0.50% · 4.625%
HK$39,683
+HK$1,987/mo
Deposit HK$3.02M · loan HK$7.05M · min. income ≈ HK$75,392/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$377,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,332
−HK$2,592/mo
▼ 0.25% · 3.875%
HK$42,618
−HK$1,306/mo
Today · 4.125%
HK$43,924
baseline
▲ 0.50% · 4.625%
HK$46,597
+HK$2,673/mo
Deposit HK$1.01M · loan HK$9.06M · min. income ≈ HK$87,848/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$377,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,981
−HK$2,485/mo
▼ 0.25% · 3.875%
HK$47,215
−HK$1,251/mo
Today · 4.125%
HK$48,466
baseline
▲ 0.50% · 4.625%
HK$51,020
+HK$2,554/mo
Deposit HK$1.01M · loan HK$9.06M · min. income ≈ HK$96,932/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$377,003 · Scale 2, in force from 26 Feb 2026)