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$22,989
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$23,704
−HK$726/mo
Today · 4.125%
HK$24,430
baseline
▲ 0.50% · 4.625%
HK$25,917
+HK$1,487/mo
Deposit HK$5.04M · loan HK$5.04M · min. income ≈ HK$48,860/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$378,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,575
−HK$1,381/mo
▼ 0.25% · 3.875%
HK$26,261
−HK$695/mo
Today · 4.125%
HK$26,956
baseline
▲ 0.50% · 4.625%
HK$28,377
+HK$1,421/mo
Deposit HK$5.04M · loan HK$5.04M · min. income ≈ HK$53,912/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$378,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,586
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$28,445
−HK$871/mo
Today · 4.125%
HK$29,316
baseline
▲ 0.50% · 4.625%
HK$31,100
+HK$1,784/mo
Deposit HK$4.03M · loan HK$6.05M · min. income ≈ HK$58,632/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$378,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,690
−HK$1,658/mo
▼ 0.25% · 3.875%
HK$31,513
−HK$835/mo
Today · 4.125%
HK$32,348
baseline
▲ 0.50% · 4.625%
HK$34,053
+HK$1,705/mo
Deposit HK$4.03M · loan HK$6.05M · min. income ≈ HK$64,696/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$378,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,184
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$33,185
−HK$1,017/mo
Today · 4.125%
HK$34,202
baseline
▲ 0.50% · 4.625%
HK$36,284
+HK$2,082/mo
Deposit HK$3.02M · loan HK$7.06M · min. income ≈ HK$68,404/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$378,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,805
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$36,765
−HK$974/mo
Today · 4.125%
HK$37,739
baseline
▲ 0.50% · 4.625%
HK$39,728
+HK$1,989/mo
Deposit HK$3.02M · loan HK$7.06M · min. income ≈ HK$75,478/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$378,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,380
−HK$2,595/mo
▼ 0.25% · 3.875%
HK$42,667
−HK$1,308/mo
Today · 4.125%
HK$43,975
baseline
▲ 0.50% · 4.625%
HK$46,650
+HK$2,675/mo
Deposit HK$1.01M · loan HK$9.07M · min. income ≈ HK$87,950/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,034
−HK$2,488/mo
▼ 0.25% · 3.875%
HK$47,269
−HK$1,253/mo
Today · 4.125%
HK$48,522
baseline
▲ 0.50% · 4.625%
HK$51,079
+HK$2,557/mo
Deposit HK$1.01M · loan HK$9.07M · min. income ≈ HK$97,044/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,062 · Scale 2, in force from 26 Feb 2026)