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$22,993
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$23,708
−HK$727/mo
Today · 4.125%
HK$24,435
baseline
▲ 0.50% · 4.625%
HK$25,921
+HK$1,486/mo
Deposit HK$5.04M · loan HK$5.04M · min. income ≈ HK$48,870/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$378,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,579
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$26,265
−HK$696/mo
Today · 4.125%
HK$26,961
baseline
▲ 0.50% · 4.625%
HK$28,382
+HK$1,421/mo
Deposit HK$5.04M · loan HK$5.04M · min. income ≈ HK$53,922/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$378,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,591
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$28,450
−HK$872/mo
Today · 4.125%
HK$29,322
baseline
▲ 0.50% · 4.625%
HK$31,106
+HK$1,784/mo
Deposit HK$4.03M · loan HK$6.05M · min. income ≈ HK$58,644/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$378,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,695
−HK$1,658/mo
▼ 0.25% · 3.875%
HK$31,518
−HK$835/mo
Today · 4.125%
HK$32,353
baseline
▲ 0.50% · 4.625%
HK$34,059
+HK$1,706/mo
Deposit HK$4.03M · loan HK$6.05M · min. income ≈ HK$64,706/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$378,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,190
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$33,191
−HK$1,018/mo
Today · 4.125%
HK$34,209
baseline
▲ 0.50% · 4.625%
HK$36,290
+HK$2,081/mo
Deposit HK$3.03M · loan HK$7.06M · min. income ≈ HK$68,418/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$378,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,811
−HK$1,935/mo
▼ 0.25% · 3.875%
HK$36,771
−HK$975/mo
Today · 4.125%
HK$37,746
baseline
▲ 0.50% · 4.625%
HK$39,735
+HK$1,989/mo
Deposit HK$3.03M · loan HK$7.06M · min. income ≈ HK$75,492/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$378,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,387
−HK$2,595/mo
▼ 0.25% · 3.875%
HK$42,674
−HK$1,308/mo
Today · 4.125%
HK$43,982
baseline
▲ 0.50% · 4.625%
HK$46,659
+HK$2,677/mo
Deposit HK$1.01M · loan HK$9.08M · min. income ≈ HK$87,964/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,043
−HK$2,487/mo
▼ 0.25% · 3.875%
HK$47,278
−HK$1,252/mo
Today · 4.125%
HK$48,530
baseline
▲ 0.50% · 4.625%
HK$51,088
+HK$2,558/mo
Deposit HK$1.01M · loan HK$9.08M · min. income ≈ HK$97,060/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,129 · Scale 2, in force from 26 Feb 2026)