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$23,029
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$23,745
−HK$728/mo
Today · 4.125%
HK$24,473
baseline
▲ 0.50% · 4.625%
HK$25,962
+HK$1,489/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$48,946/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$378,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,620
−HK$1,384/mo
▼ 0.25% · 3.875%
HK$26,307
−HK$697/mo
Today · 4.125%
HK$27,004
baseline
▲ 0.50% · 4.625%
HK$28,427
+HK$1,423/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$54,008/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$378,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,635
−HK$1,733/mo
▼ 0.25% · 3.875%
HK$28,495
−HK$873/mo
Today · 4.125%
HK$29,368
baseline
▲ 0.50% · 4.625%
HK$31,155
+HK$1,787/mo
Deposit HK$4.04M · loan HK$6.06M · min. income ≈ HK$58,736/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$378,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,744
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$31,568
−HK$837/mo
Today · 4.125%
HK$32,405
baseline
▲ 0.50% · 4.625%
HK$34,113
+HK$1,708/mo
Deposit HK$4.04M · loan HK$6.06M · min. income ≈ HK$64,810/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$378,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,241
−HK$2,022/mo
▼ 0.25% · 3.875%
HK$33,244
−HK$1,019/mo
Today · 4.125%
HK$34,263
baseline
▲ 0.50% · 4.625%
HK$36,347
+HK$2,084/mo
Deposit HK$3.03M · loan HK$7.07M · min. income ≈ HK$68,526/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,867
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$36,829
−HK$976/mo
Today · 4.125%
HK$37,805
baseline
▲ 0.50% · 4.625%
HK$39,798
+HK$1,993/mo
Deposit HK$3.03M · loan HK$7.07M · min. income ≈ HK$75,610/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,452
−HK$2,600/mo
▼ 0.25% · 3.875%
HK$42,742
−HK$1,310/mo
Today · 4.125%
HK$44,052
baseline
▲ 0.50% · 4.625%
HK$46,732
+HK$2,680/mo
Deposit HK$1.01M · loan HK$9.09M · min. income ≈ HK$88,104/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,115
−HK$2,492/mo
▼ 0.25% · 3.875%
HK$47,352
−HK$1,255/mo
Today · 4.125%
HK$48,607
baseline
▲ 0.50% · 4.625%
HK$51,169
+HK$2,562/mo
Deposit HK$1.01M · loan HK$9.09M · min. income ≈ HK$97,214/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,726 · Scale 2, in force from 26 Feb 2026)