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$22,941
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$23,654
−HK$725/mo
Today · 4.125%
HK$24,379
baseline
▲ 0.50% · 4.625%
HK$25,863
+HK$1,484/mo
Deposit HK$5.03M · loan HK$5.03M · min. income ≈ HK$48,758/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$376,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,522
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$26,206
−HK$694/mo
Today · 4.125%
HK$26,900
baseline
▲ 0.50% · 4.625%
HK$28,318
+HK$1,418/mo
Deposit HK$5.03M · loan HK$5.03M · min. income ≈ HK$53,800/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$376,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,529
−HK$1,726/mo
▼ 0.25% · 3.875%
HK$28,385
−HK$870/mo
Today · 4.125%
HK$29,255
baseline
▲ 0.50% · 4.625%
HK$31,036
+HK$1,781/mo
Deposit HK$4.02M · loan HK$6.04M · min. income ≈ HK$58,510/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$376,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,626
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$31,447
−HK$833/mo
Today · 4.125%
HK$32,280
baseline
▲ 0.50% · 4.625%
HK$33,982
+HK$1,702/mo
Deposit HK$4.02M · loan HK$6.04M · min. income ≈ HK$64,560/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$376,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,117
−HK$2,014/mo
▼ 0.25% · 3.875%
HK$33,116
−HK$1,015/mo
Today · 4.125%
HK$34,131
baseline
▲ 0.50% · 4.625%
HK$36,208
+HK$2,077/mo
Deposit HK$3.02M · loan HK$7.04M · min. income ≈ HK$68,262/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$376,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,730
−HK$1,931/mo
▼ 0.25% · 3.875%
HK$36,688
−HK$973/mo
Today · 4.125%
HK$37,661
baseline
▲ 0.50% · 4.625%
HK$39,646
+HK$1,985/mo
Deposit HK$3.02M · loan HK$7.04M · min. income ≈ HK$75,322/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$376,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,294
−HK$2,589/mo
▼ 0.25% · 3.875%
HK$42,578
−HK$1,305/mo
Today · 4.125%
HK$43,883
baseline
▲ 0.50% · 4.625%
HK$46,553
+HK$2,670/mo
Deposit HK$1.01M · loan HK$9.05M · min. income ≈ HK$87,766/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$376,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,939
−HK$2,482/mo
▼ 0.25% · 3.875%
HK$47,171
−HK$1,250/mo
Today · 4.125%
HK$48,421
baseline
▲ 0.50% · 4.625%
HK$50,973
+HK$2,552/mo
Deposit HK$1.01M · loan HK$9.05M · min. income ≈ HK$96,842/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$376,067 · Scale 2, in force from 26 Feb 2026)