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$22,947
−HK$1,439/mo
▼ 0.25% · 3.875%
HK$23,661
−HK$725/mo
Today · 4.125%
HK$24,386
baseline
▲ 0.50% · 4.625%
HK$25,870
+HK$1,484/mo
Deposit HK$5.03M · loan HK$5.03M · min. income ≈ HK$48,772/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$376,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,528
−HK$1,379/mo
▼ 0.25% · 3.875%
HK$26,213
−HK$694/mo
Today · 4.125%
HK$26,907
baseline
▲ 0.50% · 4.625%
HK$28,326
+HK$1,419/mo
Deposit HK$5.03M · loan HK$5.03M · min. income ≈ HK$53,814/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$376,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,536
−HK$1,727/mo
▼ 0.25% · 3.875%
HK$28,393
−HK$870/mo
Today · 4.125%
HK$29,263
baseline
▲ 0.50% · 4.625%
HK$31,044
+HK$1,781/mo
Deposit HK$4.03M · loan HK$6.04M · min. income ≈ HK$58,526/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$376,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,634
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$31,455
−HK$834/mo
Today · 4.125%
HK$32,289
baseline
▲ 0.50% · 4.625%
HK$33,991
+HK$1,702/mo
Deposit HK$4.03M · loan HK$6.04M · min. income ≈ HK$64,578/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$376,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,126
−HK$2,014/mo
▼ 0.25% · 3.875%
HK$33,125
−HK$1,015/mo
Today · 4.125%
HK$34,140
baseline
▲ 0.50% · 4.625%
HK$36,217
+HK$2,077/mo
Deposit HK$3.02M · loan HK$7.04M · min. income ≈ HK$68,280/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$376,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,739
−HK$1,931/mo
▼ 0.25% · 3.875%
HK$36,698
−HK$972/mo
Today · 4.125%
HK$37,670
baseline
▲ 0.50% · 4.625%
HK$39,656
+HK$1,986/mo
Deposit HK$3.02M · loan HK$7.04M · min. income ≈ HK$75,340/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$376,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,304
−HK$2,590/mo
▼ 0.25% · 3.875%
HK$42,589
−HK$1,305/mo
Today · 4.125%
HK$43,894
baseline
▲ 0.50% · 4.625%
HK$46,565
+HK$2,671/mo
Deposit HK$1.01M · loan HK$9.06M · min. income ≈ HK$87,788/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$376,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,951
−HK$2,482/mo
▼ 0.25% · 3.875%
HK$47,183
−HK$1,250/mo
Today · 4.125%
HK$48,433
baseline
▲ 0.50% · 4.625%
HK$50,986
+HK$2,553/mo
Deposit HK$1.01M · loan HK$9.06M · min. income ≈ HK$96,866/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$376,326 · Scale 2, in force from 26 Feb 2026)