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$23,007
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$23,723
−HK$727/mo
Today · 4.125%
HK$24,450
baseline
▲ 0.50% · 4.625%
HK$25,938
+HK$1,488/mo
Deposit HK$5.04M · loan HK$5.04M · min. income ≈ HK$48,900/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$378,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,595
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$26,282
−HK$696/mo
Today · 4.125%
HK$26,978
baseline
▲ 0.50% · 4.625%
HK$28,400
+HK$1,422/mo
Deposit HK$5.04M · loan HK$5.04M · min. income ≈ HK$53,956/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$378,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,608
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$28,467
−HK$873/mo
Today · 4.125%
HK$29,340
baseline
▲ 0.50% · 4.625%
HK$31,125
+HK$1,785/mo
Deposit HK$4.04M · loan HK$6.05M · min. income ≈ HK$58,680/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$378,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,714
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$31,538
−HK$836/mo
Today · 4.125%
HK$32,374
baseline
▲ 0.50% · 4.625%
HK$34,080
+HK$1,706/mo
Deposit HK$4.04M · loan HK$6.05M · min. income ≈ HK$64,748/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$378,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,210
−HK$2,020/mo
▼ 0.25% · 3.875%
HK$33,212
−HK$1,018/mo
Today · 4.125%
HK$34,230
baseline
▲ 0.50% · 4.625%
HK$36,313
+HK$2,083/mo
Deposit HK$3.03M · loan HK$7.06M · min. income ≈ HK$68,460/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,833
−HK$1,936/mo
▼ 0.25% · 3.875%
HK$36,794
−HK$975/mo
Today · 4.125%
HK$37,769
baseline
▲ 0.50% · 4.625%
HK$39,760
+HK$1,991/mo
Deposit HK$3.03M · loan HK$7.06M · min. income ≈ HK$75,538/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,413
−HK$2,597/mo
▼ 0.25% · 3.875%
HK$42,701
−HK$1,309/mo
Today · 4.125%
HK$44,010
baseline
▲ 0.50% · 4.625%
HK$46,688
+HK$2,678/mo
Deposit HK$1.01M · loan HK$9.08M · min. income ≈ HK$88,020/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,071
−HK$2,489/mo
▼ 0.25% · 3.875%
HK$47,307
−HK$1,253/mo
Today · 4.125%
HK$48,560
baseline
▲ 0.50% · 4.625%
HK$51,120
+HK$2,560/mo
Deposit HK$1.01M · loan HK$9.08M · min. income ≈ HK$97,120/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,364 · Scale 2, in force from 26 Feb 2026)