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$23,028
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$23,744
−HK$728/mo
Today · 4.125%
HK$24,472
baseline
▲ 0.50% · 4.625%
HK$25,961
+HK$1,489/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$48,944/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$378,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,618
−HK$1,384/mo
▼ 0.25% · 3.875%
HK$26,305
−HK$697/mo
Today · 4.125%
HK$27,002
baseline
▲ 0.50% · 4.625%
HK$28,425
+HK$1,423/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$54,004/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$378,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,633
−HK$1,733/mo
▼ 0.25% · 3.875%
HK$28,493
−HK$873/mo
Today · 4.125%
HK$29,366
baseline
▲ 0.50% · 4.625%
HK$31,153
+HK$1,787/mo
Deposit HK$4.04M · loan HK$6.06M · min. income ≈ HK$58,732/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$378,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,742
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$31,566
−HK$836/mo
Today · 4.125%
HK$32,402
baseline
▲ 0.50% · 4.625%
HK$34,110
+HK$1,708/mo
Deposit HK$4.04M · loan HK$6.06M · min. income ≈ HK$64,804/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$378,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,239
−HK$2,021/mo
▼ 0.25% · 3.875%
HK$33,241
−HK$1,019/mo
Today · 4.125%
HK$34,260
baseline
▲ 0.50% · 4.625%
HK$36,345
+HK$2,085/mo
Deposit HK$3.03M · loan HK$7.07M · min. income ≈ HK$68,520/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,865
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$36,827
−HK$976/mo
Today · 4.125%
HK$37,803
baseline
▲ 0.50% · 4.625%
HK$39,795
+HK$1,992/mo
Deposit HK$3.03M · loan HK$7.07M · min. income ≈ HK$75,606/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,450
−HK$2,599/mo
▼ 0.25% · 3.875%
HK$42,739
−HK$1,310/mo
Today · 4.125%
HK$44,049
baseline
▲ 0.50% · 4.625%
HK$46,729
+HK$2,680/mo
Deposit HK$1.01M · loan HK$9.09M · min. income ≈ HK$88,098/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,112
−HK$2,492/mo
▼ 0.25% · 3.875%
HK$47,349
−HK$1,255/mo
Today · 4.125%
HK$48,604
baseline
▲ 0.50% · 4.625%
HK$51,166
+HK$2,562/mo
Deposit HK$1.01M · loan HK$9.09M · min. income ≈ HK$97,208/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,701 · Scale 2, in force from 26 Feb 2026)