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$22,928
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$23,641
−HK$725/mo
Today · 4.125%
HK$24,366
baseline
▲ 0.50% · 4.625%
HK$25,849
+HK$1,483/mo
Deposit HK$5.03M · loan HK$5.03M · min. income ≈ HK$48,732/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$375,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,507
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$26,191
−HK$694/mo
Today · 4.125%
HK$26,885
baseline
▲ 0.50% · 4.625%
HK$28,303
+HK$1,418/mo
Deposit HK$5.03M · loan HK$5.03M · min. income ≈ HK$53,770/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$375,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,514
−HK$1,725/mo
▼ 0.25% · 3.875%
HK$28,370
−HK$869/mo
Today · 4.125%
HK$29,239
baseline
▲ 0.50% · 4.625%
HK$31,018
+HK$1,779/mo
Deposit HK$4.02M · loan HK$6.03M · min. income ≈ HK$58,478/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$375,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,609
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$31,430
−HK$833/mo
Today · 4.125%
HK$32,263
baseline
▲ 0.50% · 4.625%
HK$33,963
+HK$1,700/mo
Deposit HK$4.02M · loan HK$6.03M · min. income ≈ HK$64,526/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$375,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,099
−HK$2,013/mo
▼ 0.25% · 3.875%
HK$33,098
−HK$1,014/mo
Today · 4.125%
HK$34,112
baseline
▲ 0.50% · 4.625%
HK$36,188
+HK$2,076/mo
Deposit HK$3.02M · loan HK$7.04M · min. income ≈ HK$68,224/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$375,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,710
−HK$1,930/mo
▼ 0.25% · 3.875%
HK$36,668
−HK$972/mo
Today · 4.125%
HK$37,640
baseline
▲ 0.50% · 4.625%
HK$39,624
+HK$1,984/mo
Deposit HK$3.02M · loan HK$7.04M · min. income ≈ HK$75,280/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$375,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,271
−HK$2,588/mo
▼ 0.25% · 3.875%
HK$42,554
−HK$1,305/mo
Today · 4.125%
HK$43,859
baseline
▲ 0.50% · 4.625%
HK$46,527
+HK$2,668/mo
Deposit HK$1.01M · loan HK$9.05M · min. income ≈ HK$87,718/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$375,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,913
−HK$2,481/mo
▼ 0.25% · 3.875%
HK$47,145
−HK$1,249/mo
Today · 4.125%
HK$48,394
baseline
▲ 0.50% · 4.625%
HK$50,945
+HK$2,551/mo
Deposit HK$1.01M · loan HK$9.05M · min. income ≈ HK$96,788/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$375,510 · Scale 2, in force from 26 Feb 2026)