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$22,988
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$23,703
−HK$727/mo
Today · 4.125%
HK$24,430
baseline
▲ 0.50% · 4.625%
HK$25,916
+HK$1,486/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$378,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,574
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$26,260
−HK$696/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$378,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,586
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$28,444
−HK$872/mo
Today · 4.125%
HK$29,316
baseline
▲ 0.50% · 4.625%
HK$31,099
+HK$1,783/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$378,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,689
−HK$1,658/mo
▼ 0.25% · 3.875%
HK$31,512
−HK$835/mo
Today · 4.125%
HK$32,347
baseline
▲ 0.50% · 4.625%
HK$34,052
+HK$1,705/mo
Deposit HK$4.03M · loan HK$6.05M · min. income ≈ HK$64,694/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$378,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,183
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$33,184
−HK$1,017/mo
Today · 4.125%
HK$34,201
baseline
▲ 0.50% · 4.625%
HK$36,283
+HK$2,082/mo
Deposit HK$3.02M · loan HK$7.06M · min. income ≈ HK$68,402/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$378,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,804
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$36,764
−HK$974/mo
Today · 4.125%
HK$37,738
baseline
▲ 0.50% · 4.625%
HK$39,727
+HK$1,989/mo
Deposit HK$3.02M · loan HK$7.06M · min. income ≈ HK$75,476/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$378,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,379
−HK$2,594/mo
▼ 0.25% · 3.875%
HK$42,666
−HK$1,307/mo
Today · 4.125%
HK$43,973
baseline
▲ 0.50% · 4.625%
HK$46,649
+HK$2,676/mo
Deposit HK$1.01M · loan HK$9.07M · min. income ≈ HK$87,946/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,033
−HK$2,487/mo
▼ 0.25% · 3.875%
HK$47,268
−HK$1,252/mo
Today · 4.125%
HK$48,520
baseline
▲ 0.50% · 4.625%
HK$51,078
+HK$2,558/mo
Deposit HK$1.01M · loan HK$9.07M · min. income ≈ HK$97,040/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,051 · Scale 2, in force from 26 Feb 2026)