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$22,917
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$23,630
−HK$724/mo
Today · 4.125%
HK$24,354
baseline
▲ 0.50% · 4.625%
HK$25,836
+HK$1,482/mo
Deposit HK$5.03M · loan HK$5.03M · min. income ≈ HK$48,708/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$375,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,495
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$26,179
−HK$693/mo
Today · 4.125%
HK$26,872
baseline
▲ 0.50% · 4.625%
HK$28,289
+HK$1,417/mo
Deposit HK$5.03M · loan HK$5.03M · min. income ≈ HK$53,744/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$375,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,500
−HK$1,725/mo
▼ 0.25% · 3.875%
HK$28,356
−HK$869/mo
Today · 4.125%
HK$29,225
baseline
▲ 0.50% · 4.625%
HK$31,003
+HK$1,778/mo
Deposit HK$4.02M · loan HK$6.03M · min. income ≈ HK$58,450/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$375,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,594
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$31,414
−HK$833/mo
Today · 4.125%
HK$32,247
baseline
▲ 0.50% · 4.625%
HK$33,947
+HK$1,700/mo
Deposit HK$4.02M · loan HK$6.03M · min. income ≈ HK$64,494/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$375,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,084
−HK$2,012/mo
▼ 0.25% · 3.875%
HK$33,082
−HK$1,014/mo
Today · 4.125%
HK$34,096
baseline
▲ 0.50% · 4.625%
HK$36,170
+HK$2,074/mo
Deposit HK$3.02M · loan HK$7.04M · min. income ≈ HK$68,192/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$375,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,693
−HK$1,928/mo
▼ 0.25% · 3.875%
HK$36,650
−HK$971/mo
Today · 4.125%
HK$37,621
baseline
▲ 0.50% · 4.625%
HK$39,604
+HK$1,983/mo
Deposit HK$3.02M · loan HK$7.04M · min. income ≈ HK$75,242/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$375,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,251
−HK$2,586/mo
▼ 0.25% · 3.875%
HK$42,534
−HK$1,303/mo
Today · 4.125%
HK$43,837
baseline
▲ 0.50% · 4.625%
HK$46,505
+HK$2,668/mo
Deposit HK$1.01M · loan HK$9.05M · min. income ≈ HK$87,674/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$375,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,891
−HK$2,479/mo
▼ 0.25% · 3.875%
HK$47,122
−HK$1,248/mo
Today · 4.125%
HK$48,370
baseline
▲ 0.50% · 4.625%
HK$50,920
+HK$2,550/mo
Deposit HK$1.01M · loan HK$9.05M · min. income ≈ HK$96,740/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$375,020 · Scale 2, in force from 26 Feb 2026)