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$22,953
−HK$1,439/mo
▼ 0.25% · 3.875%
HK$23,667
−HK$725/mo
Today · 4.125%
HK$24,392
baseline
▲ 0.50% · 4.625%
HK$25,877
+HK$1,485/mo
Deposit HK$5.03M · loan HK$5.03M · min. income ≈ HK$48,784/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$376,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,535
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$26,220
−HK$695/mo
Today · 4.125%
HK$26,915
baseline
▲ 0.50% · 4.625%
HK$28,333
+HK$1,418/mo
Deposit HK$5.03M · loan HK$5.03M · min. income ≈ HK$53,830/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$376,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,544
−HK$1,727/mo
▼ 0.25% · 3.875%
HK$28,400
−HK$871/mo
Today · 4.125%
HK$29,271
baseline
▲ 0.50% · 4.625%
HK$31,052
+HK$1,781/mo
Deposit HK$4.03M · loan HK$6.04M · min. income ≈ HK$58,542/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$376,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,642
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$31,464
−HK$833/mo
Today · 4.125%
HK$32,297
baseline
▲ 0.50% · 4.625%
HK$34,000
+HK$1,703/mo
Deposit HK$4.03M · loan HK$6.04M · min. income ≈ HK$64,594/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$376,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,134
−HK$2,015/mo
▼ 0.25% · 3.875%
HK$33,134
−HK$1,015/mo
Today · 4.125%
HK$34,149
baseline
▲ 0.50% · 4.625%
HK$36,227
+HK$2,078/mo
Deposit HK$3.02M · loan HK$7.05M · min. income ≈ HK$68,298/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$376,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,749
−HK$1,931/mo
▼ 0.25% · 3.875%
HK$36,708
−HK$972/mo
Today · 4.125%
HK$37,680
baseline
▲ 0.50% · 4.625%
HK$39,667
+HK$1,987/mo
Deposit HK$3.02M · loan HK$7.05M · min. income ≈ HK$75,360/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$376,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,315
−HK$2,591/mo
▼ 0.25% · 3.875%
HK$42,601
−HK$1,305/mo
Today · 4.125%
HK$43,906
baseline
▲ 0.50% · 4.625%
HK$46,578
+HK$2,672/mo
Deposit HK$1.01M · loan HK$9.06M · min. income ≈ HK$87,812/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$376,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,963
−HK$2,483/mo
▼ 0.25% · 3.875%
HK$47,196
−HK$1,250/mo
Today · 4.125%
HK$48,446
baseline
▲ 0.50% · 4.625%
HK$51,000
+HK$2,554/mo
Deposit HK$1.01M · loan HK$9.06M · min. income ≈ HK$96,892/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$376,597 · Scale 2, in force from 26 Feb 2026)