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$22,966
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$23,680
−HK$726/mo
Today · 4.125%
HK$24,406
baseline
▲ 0.50% · 4.625%
HK$25,891
+HK$1,485/mo
Deposit HK$5.04M · loan HK$5.04M · min. income ≈ HK$48,812/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$377,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,549
−HK$1,381/mo
▼ 0.25% · 3.875%
HK$26,235
−HK$695/mo
Today · 4.125%
HK$26,930
baseline
▲ 0.50% · 4.625%
HK$28,349
+HK$1,419/mo
Deposit HK$5.04M · loan HK$5.04M · min. income ≈ HK$53,860/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$377,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,559
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$28,416
−HK$871/mo
Today · 4.125%
HK$29,287
baseline
▲ 0.50% · 4.625%
HK$31,069
+HK$1,782/mo
Deposit HK$4.03M · loan HK$6.04M · min. income ≈ HK$58,574/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$377,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,659
−HK$1,657/mo
▼ 0.25% · 3.875%
HK$31,481
−HK$835/mo
Today · 4.125%
HK$32,316
baseline
▲ 0.50% · 4.625%
HK$34,019
+HK$1,703/mo
Deposit HK$4.03M · loan HK$6.04M · min. income ≈ HK$64,632/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$377,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,152
−HK$2,016/mo
▼ 0.25% · 3.875%
HK$33,152
−HK$1,016/mo
Today · 4.125%
HK$34,168
baseline
▲ 0.50% · 4.625%
HK$36,248
+HK$2,080/mo
Deposit HK$3.02M · loan HK$7.05M · min. income ≈ HK$68,336/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$377,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,769
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$36,728
−HK$974/mo
Today · 4.125%
HK$37,702
baseline
▲ 0.50% · 4.625%
HK$39,689
+HK$1,987/mo
Deposit HK$3.02M · loan HK$7.05M · min. income ≈ HK$75,404/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$377,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,339
−HK$2,592/mo
▼ 0.25% · 3.875%
HK$42,624
−HK$1,307/mo
Today · 4.125%
HK$43,931
baseline
▲ 0.50% · 4.625%
HK$46,604
+HK$2,673/mo
Deposit HK$1.01M · loan HK$9.06M · min. income ≈ HK$87,862/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$377,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,989
−HK$2,484/mo
▼ 0.25% · 3.875%
HK$47,222
−HK$1,251/mo
Today · 4.125%
HK$48,473
baseline
▲ 0.50% · 4.625%
HK$51,028
+HK$2,555/mo
Deposit HK$1.01M · loan HK$9.06M · min. income ≈ HK$96,946/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$377,162 · Scale 2, in force from 26 Feb 2026)