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$22,967
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$23,682
−HK$725/mo
Today · 4.125%
HK$24,407
baseline
▲ 0.50% · 4.625%
HK$25,893
+HK$1,486/mo
Deposit HK$5.04M · loan HK$5.04M · min. income ≈ HK$48,814/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$377,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,551
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$26,236
−HK$695/mo
Today · 4.125%
HK$26,931
baseline
▲ 0.50% · 4.625%
HK$28,351
+HK$1,420/mo
Deposit HK$5.04M · loan HK$5.04M · min. income ≈ HK$53,862/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$377,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,561
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$28,418
−HK$871/mo
Today · 4.125%
HK$29,289
baseline
▲ 0.50% · 4.625%
HK$31,071
+HK$1,782/mo
Deposit HK$4.03M · loan HK$6.04M · min. income ≈ HK$58,578/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$377,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,661
−HK$1,656/mo
▼ 0.25% · 3.875%
HK$31,483
−HK$834/mo
Today · 4.125%
HK$32,317
baseline
▲ 0.50% · 4.625%
HK$34,021
+HK$1,704/mo
Deposit HK$4.03M · loan HK$6.04M · min. income ≈ HK$64,634/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$377,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,154
−HK$2,016/mo
▼ 0.25% · 3.875%
HK$33,154
−HK$1,016/mo
Today · 4.125%
HK$34,170
baseline
▲ 0.50% · 4.625%
HK$36,250
+HK$2,080/mo
Deposit HK$3.02M · loan HK$7.05M · min. income ≈ HK$68,340/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$377,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,771
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$36,730
−HK$974/mo
Today · 4.125%
HK$37,704
baseline
▲ 0.50% · 4.625%
HK$39,691
+HK$1,987/mo
Deposit HK$3.02M · loan HK$7.05M · min. income ≈ HK$75,408/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$377,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,341
−HK$2,592/mo
▼ 0.25% · 3.875%
HK$42,627
−HK$1,306/mo
Today · 4.125%
HK$43,933
baseline
▲ 0.50% · 4.625%
HK$46,607
+HK$2,674/mo
Deposit HK$1.01M · loan HK$9.06M · min. income ≈ HK$87,866/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$377,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,991
−HK$2,485/mo
▼ 0.25% · 3.875%
HK$47,225
−HK$1,251/mo
Today · 4.125%
HK$48,476
baseline
▲ 0.50% · 4.625%
HK$51,031
+HK$2,555/mo
Deposit HK$1.01M · loan HK$9.06M · min. income ≈ HK$96,952/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$377,218 · Scale 2, in force from 26 Feb 2026)