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$22,919
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$23,632
−HK$724/mo
Today · 4.125%
HK$24,356
baseline
▲ 0.50% · 4.625%
HK$25,839
+HK$1,483/mo
Deposit HK$5.03M · loan HK$5.03M · min. income ≈ HK$48,712/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$375,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,497
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$26,181
−HK$694/mo
Today · 4.125%
HK$26,875
baseline
▲ 0.50% · 4.625%
HK$28,292
+HK$1,417/mo
Deposit HK$5.03M · loan HK$5.03M · min. income ≈ HK$53,750/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$375,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,503
−HK$1,725/mo
▼ 0.25% · 3.875%
HK$28,359
−HK$869/mo
Today · 4.125%
HK$29,228
baseline
▲ 0.50% · 4.625%
HK$31,006
+HK$1,778/mo
Deposit HK$4.02M · loan HK$6.03M · min. income ≈ HK$58,456/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$375,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,597
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$31,418
−HK$832/mo
Today · 4.125%
HK$32,250
baseline
▲ 0.50% · 4.625%
HK$33,950
+HK$1,700/mo
Deposit HK$4.02M · loan HK$6.03M · min. income ≈ HK$64,500/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$375,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,087
−HK$2,012/mo
▼ 0.25% · 3.875%
HK$33,085
−HK$1,014/mo
Today · 4.125%
HK$34,099
baseline
▲ 0.50% · 4.625%
HK$36,174
+HK$2,075/mo
Deposit HK$3.02M · loan HK$7.04M · min. income ≈ HK$68,198/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$375,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,696
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$36,654
−HK$971/mo
Today · 4.125%
HK$37,625
baseline
▲ 0.50% · 4.625%
HK$39,608
+HK$1,983/mo
Deposit HK$3.02M · loan HK$7.04M · min. income ≈ HK$75,250/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$375,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,255
−HK$2,587/mo
▼ 0.25% · 3.875%
HK$42,538
−HK$1,304/mo
Today · 4.125%
HK$43,842
baseline
▲ 0.50% · 4.625%
HK$46,509
+HK$2,667/mo
Deposit HK$1.01M · loan HK$9.05M · min. income ≈ HK$87,684/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$375,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,895
−HK$2,480/mo
▼ 0.25% · 3.875%
HK$47,126
−HK$1,249/mo
Today · 4.125%
HK$48,375
baseline
▲ 0.50% · 4.625%
HK$50,925
+HK$2,550/mo
Deposit HK$1.01M · loan HK$9.05M · min. income ≈ HK$96,750/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$375,118 · Scale 2, in force from 26 Feb 2026)