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$22,955
−HK$1,439/mo
▼ 0.25% · 3.875%
HK$23,669
−HK$725/mo
Today · 4.125%
HK$24,394
baseline
▲ 0.50% · 4.625%
HK$25,878
+HK$1,484/mo
Deposit HK$5.03M · loan HK$5.03M · min. income ≈ HK$48,788/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$376,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,537
−HK$1,379/mo
▼ 0.25% · 3.875%
HK$26,222
−HK$694/mo
Today · 4.125%
HK$26,916
baseline
▲ 0.50% · 4.625%
HK$28,335
+HK$1,419/mo
Deposit HK$5.03M · loan HK$5.03M · min. income ≈ HK$53,832/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$376,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,545
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$28,402
−HK$871/mo
Today · 4.125%
HK$29,273
baseline
▲ 0.50% · 4.625%
HK$31,054
+HK$1,781/mo
Deposit HK$4.03M · loan HK$6.04M · min. income ≈ HK$58,546/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$376,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,644
−HK$1,656/mo
▼ 0.25% · 3.875%
HK$31,466
−HK$834/mo
Today · 4.125%
HK$32,300
baseline
▲ 0.50% · 4.625%
HK$34,002
+HK$1,702/mo
Deposit HK$4.03M · loan HK$6.04M · min. income ≈ HK$64,600/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$376,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,136
−HK$2,016/mo
▼ 0.25% · 3.875%
HK$33,136
−HK$1,016/mo
Today · 4.125%
HK$34,152
baseline
▲ 0.50% · 4.625%
HK$36,230
+HK$2,078/mo
Deposit HK$3.02M · loan HK$7.05M · min. income ≈ HK$68,304/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$376,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,751
−HK$1,932/mo
▼ 0.25% · 3.875%
HK$36,710
−HK$973/mo
Today · 4.125%
HK$37,683
baseline
▲ 0.50% · 4.625%
HK$39,669
+HK$1,986/mo
Deposit HK$3.02M · loan HK$7.05M · min. income ≈ HK$75,366/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$376,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,318
−HK$2,591/mo
▼ 0.25% · 3.875%
HK$42,603
−HK$1,306/mo
Today · 4.125%
HK$43,909
baseline
▲ 0.50% · 4.625%
HK$46,581
+HK$2,672/mo
Deposit HK$1.01M · loan HK$9.06M · min. income ≈ HK$87,818/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$376,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,966
−HK$2,484/mo
▼ 0.25% · 3.875%
HK$47,199
−HK$1,251/mo
Today · 4.125%
HK$48,450
baseline
▲ 0.50% · 4.625%
HK$51,003
+HK$2,553/mo
Deposit HK$1.01M · loan HK$9.06M · min. income ≈ HK$96,900/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$376,667 · Scale 2, in force from 26 Feb 2026)