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$23,005
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$23,720
−HK$727/mo
Today · 4.125%
HK$24,447
baseline
▲ 0.50% · 4.625%
HK$25,935
+HK$1,488/mo
Deposit HK$5.04M · loan HK$5.04M · min. income ≈ HK$48,894/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$378,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,592
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$26,279
−HK$696/mo
Today · 4.125%
HK$26,975
baseline
▲ 0.50% · 4.625%
HK$28,397
+HK$1,422/mo
Deposit HK$5.04M · loan HK$5.04M · min. income ≈ HK$53,950/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$378,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,606
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$28,464
−HK$873/mo
Today · 4.125%
HK$29,337
baseline
▲ 0.50% · 4.625%
HK$31,122
+HK$1,785/mo
Deposit HK$4.04M · loan HK$6.05M · min. income ≈ HK$58,674/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$378,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,711
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$31,535
−HK$835/mo
Today · 4.125%
HK$32,370
baseline
▲ 0.50% · 4.625%
HK$34,076
+HK$1,706/mo
Deposit HK$4.04M · loan HK$6.05M · min. income ≈ HK$64,740/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$378,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,206
−HK$2,020/mo
▼ 0.25% · 3.875%
HK$33,208
−HK$1,018/mo
Today · 4.125%
HK$34,226
baseline
▲ 0.50% · 4.625%
HK$36,309
+HK$2,083/mo
Deposit HK$3.03M · loan HK$7.06M · min. income ≈ HK$68,452/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$378,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,829
−HK$1,936/mo
▼ 0.25% · 3.875%
HK$36,790
−HK$975/mo
Today · 4.125%
HK$37,765
baseline
▲ 0.50% · 4.625%
HK$39,756
+HK$1,991/mo
Deposit HK$3.03M · loan HK$7.06M · min. income ≈ HK$75,530/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$378,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,408
−HK$2,597/mo
▼ 0.25% · 3.875%
HK$42,696
−HK$1,309/mo
Today · 4.125%
HK$44,005
baseline
▲ 0.50% · 4.625%
HK$46,683
+HK$2,678/mo
Deposit HK$1.01M · loan HK$9.08M · min. income ≈ HK$88,010/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,066
−HK$2,489/mo
▼ 0.25% · 3.875%
HK$47,302
−HK$1,253/mo
Today · 4.125%
HK$48,555
baseline
▲ 0.50% · 4.625%
HK$51,115
+HK$2,560/mo
Deposit HK$1.01M · loan HK$9.08M · min. income ≈ HK$97,110/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,323 · Scale 2, in force from 26 Feb 2026)