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$22,942
−HK$1,439/mo
▼ 0.25% · 3.875%
HK$23,655
−HK$726/mo
Today · 4.125%
HK$24,381
baseline
▲ 0.50% · 4.625%
HK$25,864
+HK$1,483/mo
Deposit HK$5.03M · loan HK$5.03M · min. income ≈ HK$48,762/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$376,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,523
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$26,207
−HK$694/mo
Today · 4.125%
HK$26,901
baseline
▲ 0.50% · 4.625%
HK$28,320
+HK$1,419/mo
Deposit HK$5.03M · loan HK$5.03M · min. income ≈ HK$53,802/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$376,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,530
−HK$1,727/mo
▼ 0.25% · 3.875%
HK$28,387
−HK$870/mo
Today · 4.125%
HK$29,257
baseline
▲ 0.50% · 4.625%
HK$31,037
+HK$1,780/mo
Deposit HK$4.02M · loan HK$6.04M · min. income ≈ HK$58,514/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$376,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,627
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$31,449
−HK$833/mo
Today · 4.125%
HK$32,282
baseline
▲ 0.50% · 4.625%
HK$33,983
+HK$1,701/mo
Deposit HK$4.02M · loan HK$6.04M · min. income ≈ HK$64,564/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$376,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,119
−HK$2,014/mo
▼ 0.25% · 3.875%
HK$33,118
−HK$1,015/mo
Today · 4.125%
HK$34,133
baseline
▲ 0.50% · 4.625%
HK$36,210
+HK$2,077/mo
Deposit HK$3.02M · loan HK$7.04M · min. income ≈ HK$68,266/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$376,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,732
−HK$1,930/mo
▼ 0.25% · 3.875%
HK$36,690
−HK$972/mo
Today · 4.125%
HK$37,662
baseline
▲ 0.50% · 4.625%
HK$39,647
+HK$1,985/mo
Deposit HK$3.02M · loan HK$7.04M · min. income ≈ HK$75,324/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$376,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,295
−HK$2,590/mo
▼ 0.25% · 3.875%
HK$42,580
−HK$1,305/mo
Today · 4.125%
HK$43,885
baseline
▲ 0.50% · 4.625%
HK$46,555
+HK$2,670/mo
Deposit HK$1.01M · loan HK$9.05M · min. income ≈ HK$87,770/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$376,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,941
−HK$2,482/mo
▼ 0.25% · 3.875%
HK$47,173
−HK$1,250/mo
Today · 4.125%
HK$48,423
baseline
▲ 0.50% · 4.625%
HK$50,975
+HK$2,552/mo
Deposit HK$1.01M · loan HK$9.05M · min. income ≈ HK$96,846/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$376,109 · Scale 2, in force from 26 Feb 2026)