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$22,936
−HK$1,439/mo
▼ 0.25% · 3.875%
HK$23,650
−HK$725/mo
Today · 4.125%
HK$24,375
baseline
▲ 0.50% · 4.625%
HK$25,858
+HK$1,483/mo
Deposit HK$5.03M · loan HK$5.03M · min. income ≈ HK$48,750/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$375,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,517
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$26,201
−HK$694/mo
Today · 4.125%
HK$26,895
baseline
▲ 0.50% · 4.625%
HK$28,313
+HK$1,418/mo
Deposit HK$5.03M · loan HK$5.03M · min. income ≈ HK$53,790/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$375,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,524
−HK$1,726/mo
▼ 0.25% · 3.875%
HK$28,380
−HK$870/mo
Today · 4.125%
HK$29,250
baseline
▲ 0.50% · 4.625%
HK$31,029
+HK$1,779/mo
Deposit HK$4.02M · loan HK$6.04M · min. income ≈ HK$58,500/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$375,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,620
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$31,441
−HK$833/mo
Today · 4.125%
HK$32,274
baseline
▲ 0.50% · 4.625%
HK$33,975
+HK$1,701/mo
Deposit HK$4.02M · loan HK$6.04M · min. income ≈ HK$64,548/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$375,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,111
−HK$2,014/mo
▼ 0.25% · 3.875%
HK$33,110
−HK$1,015/mo
Today · 4.125%
HK$34,125
baseline
▲ 0.50% · 4.625%
HK$36,201
+HK$2,076/mo
Deposit HK$3.02M · loan HK$7.04M · min. income ≈ HK$68,250/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$375,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,723
−HK$1,930/mo
▼ 0.25% · 3.875%
HK$36,681
−HK$972/mo
Today · 4.125%
HK$37,653
baseline
▲ 0.50% · 4.625%
HK$39,638
+HK$1,985/mo
Deposit HK$3.02M · loan HK$7.04M · min. income ≈ HK$75,306/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$375,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,286
−HK$2,588/mo
▼ 0.25% · 3.875%
HK$42,570
−HK$1,304/mo
Today · 4.125%
HK$43,874
baseline
▲ 0.50% · 4.625%
HK$46,544
+HK$2,670/mo
Deposit HK$1.01M · loan HK$9.05M · min. income ≈ HK$87,748/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$375,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,930
−HK$2,481/mo
▼ 0.25% · 3.875%
HK$47,162
−HK$1,249/mo
Today · 4.125%
HK$48,411
baseline
▲ 0.50% · 4.625%
HK$50,963
+HK$2,552/mo
Deposit HK$1.01M · loan HK$9.05M · min. income ≈ HK$96,822/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$375,869 · Scale 2, in force from 26 Feb 2026)