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$22,985
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$23,700
−HK$727/mo
Today · 4.125%
HK$24,427
baseline
▲ 0.50% · 4.625%
HK$25,913
+HK$1,486/mo
Deposit HK$5.04M · loan HK$5.04M · min. income ≈ HK$48,854/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$378,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,571
−HK$1,381/mo
▼ 0.25% · 3.875%
HK$26,257
−HK$695/mo
Today · 4.125%
HK$26,952
baseline
▲ 0.50% · 4.625%
HK$28,373
+HK$1,421/mo
Deposit HK$5.04M · loan HK$5.04M · min. income ≈ HK$53,904/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$378,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,582
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$28,440
−HK$872/mo
Today · 4.125%
HK$29,312
baseline
▲ 0.50% · 4.625%
HK$31,096
+HK$1,784/mo
Deposit HK$4.03M · loan HK$6.05M · min. income ≈ HK$58,624/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$378,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,685
−HK$1,658/mo
▼ 0.25% · 3.875%
HK$31,508
−HK$835/mo
Today · 4.125%
HK$32,343
baseline
▲ 0.50% · 4.625%
HK$34,048
+HK$1,705/mo
Deposit HK$4.03M · loan HK$6.05M · min. income ≈ HK$64,686/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$378,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,179
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$33,180
−HK$1,017/mo
Today · 4.125%
HK$34,197
baseline
▲ 0.50% · 4.625%
HK$36,278
+HK$2,081/mo
Deposit HK$3.02M · loan HK$7.06M · min. income ≈ HK$68,394/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$378,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,799
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$36,759
−HK$974/mo
Today · 4.125%
HK$37,733
baseline
▲ 0.50% · 4.625%
HK$39,722
+HK$1,989/mo
Deposit HK$3.02M · loan HK$7.06M · min. income ≈ HK$75,466/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$378,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,373
−HK$2,595/mo
▼ 0.25% · 3.875%
HK$42,660
−HK$1,308/mo
Today · 4.125%
HK$43,968
baseline
▲ 0.50% · 4.625%
HK$46,643
+HK$2,675/mo
Deposit HK$1.01M · loan HK$9.07M · min. income ≈ HK$87,936/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,028
−HK$2,486/mo
▼ 0.25% · 3.875%
HK$47,262
−HK$1,252/mo
Today · 4.125%
HK$48,514
baseline
▲ 0.50% · 4.625%
HK$51,072
+HK$2,558/mo
Deposit HK$1.01M · loan HK$9.07M · min. income ≈ HK$97,028/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,005 · Scale 2, in force from 26 Feb 2026)