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$22,926
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$23,639
−HK$724/mo
Today · 4.125%
HK$24,363
baseline
▲ 0.50% · 4.625%
HK$25,846
+HK$1,483/mo
Deposit HK$5.03M · loan HK$5.03M · min. income ≈ HK$48,726/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$375,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,505
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$26,189
−HK$693/mo
Today · 4.125%
HK$26,882
baseline
▲ 0.50% · 4.625%
HK$28,299
+HK$1,417/mo
Deposit HK$5.03M · loan HK$5.03M · min. income ≈ HK$53,764/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$375,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,511
−HK$1,725/mo
▼ 0.25% · 3.875%
HK$28,366
−HK$870/mo
Today · 4.125%
HK$29,236
baseline
▲ 0.50% · 4.625%
HK$31,015
+HK$1,779/mo
Deposit HK$4.02M · loan HK$6.03M · min. income ≈ HK$58,472/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$375,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,605
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$31,426
−HK$833/mo
Today · 4.125%
HK$32,259
baseline
▲ 0.50% · 4.625%
HK$33,959
+HK$1,700/mo
Deposit HK$4.02M · loan HK$6.03M · min. income ≈ HK$64,518/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$375,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,096
−HK$2,013/mo
▼ 0.25% · 3.875%
HK$33,094
−HK$1,015/mo
Today · 4.125%
HK$34,109
baseline
▲ 0.50% · 4.625%
HK$36,184
+HK$2,075/mo
Deposit HK$3.02M · loan HK$7.04M · min. income ≈ HK$68,218/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$375,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,706
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$36,664
−HK$971/mo
Today · 4.125%
HK$37,635
baseline
▲ 0.50% · 4.625%
HK$39,619
+HK$1,984/mo
Deposit HK$3.02M · loan HK$7.04M · min. income ≈ HK$75,270/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$375,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,266
−HK$2,588/mo
▼ 0.25% · 3.875%
HK$42,550
−HK$1,304/mo
Today · 4.125%
HK$43,854
baseline
▲ 0.50% · 4.625%
HK$46,522
+HK$2,668/mo
Deposit HK$1.01M · loan HK$9.05M · min. income ≈ HK$87,708/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$375,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,908
−HK$2,480/mo
▼ 0.25% · 3.875%
HK$47,139
−HK$1,249/mo
Today · 4.125%
HK$48,388
baseline
▲ 0.50% · 4.625%
HK$50,939
+HK$2,551/mo
Deposit HK$1.01M · loan HK$9.05M · min. income ≈ HK$96,776/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$375,397 · Scale 2, in force from 26 Feb 2026)