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$22,965
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$23,679
−HK$726/mo
Today · 4.125%
HK$24,405
baseline
▲ 0.50% · 4.625%
HK$25,890
+HK$1,485/mo
Deposit HK$5.04M · loan HK$5.04M · min. income ≈ HK$48,810/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$377,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,548
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$26,233
−HK$695/mo
Today · 4.125%
HK$26,928
baseline
▲ 0.50% · 4.625%
HK$28,348
+HK$1,420/mo
Deposit HK$5.04M · loan HK$5.04M · min. income ≈ HK$53,856/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$377,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,558
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$28,415
−HK$871/mo
Today · 4.125%
HK$29,286
baseline
▲ 0.50% · 4.625%
HK$31,068
+HK$1,782/mo
Deposit HK$4.03M · loan HK$6.04M · min. income ≈ HK$58,572/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$377,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,658
−HK$1,656/mo
▼ 0.25% · 3.875%
HK$31,480
−HK$834/mo
Today · 4.125%
HK$32,314
baseline
▲ 0.50% · 4.625%
HK$34,017
+HK$1,703/mo
Deposit HK$4.03M · loan HK$6.04M · min. income ≈ HK$64,628/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$377,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,151
−HK$2,016/mo
▼ 0.25% · 3.875%
HK$33,151
−HK$1,016/mo
Today · 4.125%
HK$34,167
baseline
▲ 0.50% · 4.625%
HK$36,246
+HK$2,079/mo
Deposit HK$3.02M · loan HK$7.05M · min. income ≈ HK$68,334/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$377,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,767
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$36,727
−HK$973/mo
Today · 4.125%
HK$37,700
baseline
▲ 0.50% · 4.625%
HK$39,687
+HK$1,987/mo
Deposit HK$3.02M · loan HK$7.05M · min. income ≈ HK$75,400/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$377,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,337
−HK$2,592/mo
▼ 0.25% · 3.875%
HK$42,622
−HK$1,307/mo
Today · 4.125%
HK$43,929
baseline
▲ 0.50% · 4.625%
HK$46,602
+HK$2,673/mo
Deposit HK$1.01M · loan HK$9.06M · min. income ≈ HK$87,858/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$377,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,987
−HK$2,484/mo
▼ 0.25% · 3.875%
HK$47,220
−HK$1,251/mo
Today · 4.125%
HK$48,471
baseline
▲ 0.50% · 4.625%
HK$51,026
+HK$2,555/mo
Deposit HK$1.01M · loan HK$9.06M · min. income ≈ HK$96,942/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$377,116 · Scale 2, in force from 26 Feb 2026)