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$22,986
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$23,701
−HK$726/mo
Today · 4.125%
HK$24,427
baseline
▲ 0.50% · 4.625%
HK$25,914
+HK$1,487/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$378,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,571
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$26,257
−HK$696/mo
Today · 4.125%
HK$26,953
baseline
▲ 0.50% · 4.625%
HK$28,374
+HK$1,421/mo
Deposit HK$5.04M · loan HK$5.04M · min. income ≈ HK$53,906/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$378,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,583
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$28,441
−HK$872/mo
Today · 4.125%
HK$29,313
baseline
▲ 0.50% · 4.625%
HK$31,096
+HK$1,783/mo
Deposit HK$4.03M · loan HK$6.05M · min. income ≈ HK$58,626/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$378,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,686
−HK$1,658/mo
▼ 0.25% · 3.875%
HK$31,509
−HK$835/mo
Today · 4.125%
HK$32,344
baseline
▲ 0.50% · 4.625%
HK$34,048
+HK$1,704/mo
Deposit HK$4.03M · loan HK$6.05M · min. income ≈ HK$64,688/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$378,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,180
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$33,181
−HK$1,017/mo
Today · 4.125%
HK$34,198
baseline
▲ 0.50% · 4.625%
HK$36,279
+HK$2,081/mo
Deposit HK$3.02M · loan HK$7.06M · min. income ≈ HK$68,396/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$378,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,800
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$36,760
−HK$974/mo
Today · 4.125%
HK$37,734
baseline
▲ 0.50% · 4.625%
HK$39,723
+HK$1,989/mo
Deposit HK$3.02M · loan HK$7.06M · min. income ≈ HK$75,468/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$378,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,374
−HK$2,595/mo
▼ 0.25% · 3.875%
HK$42,661
−HK$1,308/mo
Today · 4.125%
HK$43,969
baseline
▲ 0.50% · 4.625%
HK$46,644
+HK$2,675/mo
Deposit HK$1.01M · loan HK$9.07M · min. income ≈ HK$87,938/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,029
−HK$2,486/mo
▼ 0.25% · 3.875%
HK$47,263
−HK$1,252/mo
Today · 4.125%
HK$48,515
baseline
▲ 0.50% · 4.625%
HK$51,073
+HK$2,558/mo
Deposit HK$1.01M · loan HK$9.07M · min. income ≈ HK$97,030/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,014 · Scale 2, in force from 26 Feb 2026)