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$22,969
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$23,683
−HK$726/mo
Today · 4.125%
HK$24,409
baseline
▲ 0.50% · 4.625%
HK$25,894
+HK$1,485/mo
Deposit HK$5.04M · loan HK$5.04M · min. income ≈ HK$48,818/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$377,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,552
−HK$1,381/mo
▼ 0.25% · 3.875%
HK$26,238
−HK$695/mo
Today · 4.125%
HK$26,933
baseline
▲ 0.50% · 4.625%
HK$28,353
+HK$1,420/mo
Deposit HK$5.04M · loan HK$5.04M · min. income ≈ HK$53,866/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$377,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,562
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$28,420
−HK$871/mo
Today · 4.125%
HK$29,291
baseline
▲ 0.50% · 4.625%
HK$31,073
+HK$1,782/mo
Deposit HK$4.03M · loan HK$6.04M · min. income ≈ HK$58,582/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$377,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,663
−HK$1,657/mo
▼ 0.25% · 3.875%
HK$31,485
−HK$835/mo
Today · 4.125%
HK$32,320
baseline
▲ 0.50% · 4.625%
HK$34,023
+HK$1,703/mo
Deposit HK$4.03M · loan HK$6.04M · min. income ≈ HK$64,640/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$377,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,156
−HK$2,017/mo
▼ 0.25% · 3.875%
HK$33,156
−HK$1,017/mo
Today · 4.125%
HK$34,173
baseline
▲ 0.50% · 4.625%
HK$36,252
+HK$2,079/mo
Deposit HK$3.02M · loan HK$7.05M · min. income ≈ HK$68,346/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$377,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,773
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$36,733
−HK$973/mo
Today · 4.125%
HK$37,706
baseline
▲ 0.50% · 4.625%
HK$39,694
+HK$1,988/mo
Deposit HK$3.02M · loan HK$7.05M · min. income ≈ HK$75,412/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$377,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,344
−HK$2,592/mo
▼ 0.25% · 3.875%
HK$42,630
−HK$1,306/mo
Today · 4.125%
HK$43,936
baseline
▲ 0.50% · 4.625%
HK$46,610
+HK$2,674/mo
Deposit HK$1.01M · loan HK$9.07M · min. income ≈ HK$87,872/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$377,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,994
−HK$2,485/mo
▼ 0.25% · 3.875%
HK$47,228
−HK$1,251/mo
Today · 4.125%
HK$48,479
baseline
▲ 0.50% · 4.625%
HK$51,035
+HK$2,556/mo
Deposit HK$1.01M · loan HK$9.07M · min. income ≈ HK$96,958/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$377,286 · Scale 2, in force from 26 Feb 2026)