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$22,930
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$23,644
−HK$724/mo
Today · 4.125%
HK$24,368
baseline
▲ 0.50% · 4.625%
HK$25,851
+HK$1,483/mo
Deposit HK$5.03M · loan HK$5.03M · min. income ≈ HK$48,736/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$375,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,510
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$26,194
−HK$694/mo
Today · 4.125%
HK$26,888
baseline
▲ 0.50% · 4.625%
HK$28,305
+HK$1,417/mo
Deposit HK$5.03M · loan HK$5.03M · min. income ≈ HK$53,776/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$375,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,516
−HK$1,726/mo
▼ 0.25% · 3.875%
HK$28,372
−HK$870/mo
Today · 4.125%
HK$29,242
baseline
▲ 0.50% · 4.625%
HK$31,021
+HK$1,779/mo
Deposit HK$4.02M · loan HK$6.03M · min. income ≈ HK$58,484/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$375,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,612
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$31,433
−HK$833/mo
Today · 4.125%
HK$32,266
baseline
▲ 0.50% · 4.625%
HK$33,966
+HK$1,700/mo
Deposit HK$4.02M · loan HK$6.03M · min. income ≈ HK$64,532/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$375,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,103
−HK$2,013/mo
▼ 0.25% · 3.875%
HK$33,101
−HK$1,015/mo
Today · 4.125%
HK$34,116
baseline
▲ 0.50% · 4.625%
HK$36,192
+HK$2,076/mo
Deposit HK$3.02M · loan HK$7.04M · min. income ≈ HK$68,232/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$375,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,714
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$36,672
−HK$971/mo
Today · 4.125%
HK$37,643
baseline
▲ 0.50% · 4.625%
HK$39,627
+HK$1,984/mo
Deposit HK$3.02M · loan HK$7.04M · min. income ≈ HK$75,286/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$375,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,275
−HK$2,588/mo
▼ 0.25% · 3.875%
HK$42,559
−HK$1,304/mo
Today · 4.125%
HK$43,863
baseline
▲ 0.50% · 4.625%
HK$46,532
+HK$2,669/mo
Deposit HK$1.01M · loan HK$9.05M · min. income ≈ HK$87,726/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$375,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,918
−HK$2,480/mo
▼ 0.25% · 3.875%
HK$47,149
−HK$1,249/mo
Today · 4.125%
HK$48,398
baseline
▲ 0.50% · 4.625%
HK$50,950
+HK$2,552/mo
Deposit HK$1.01M · loan HK$9.05M · min. income ≈ HK$96,796/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$375,606 · Scale 2, in force from 26 Feb 2026)