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$23,044
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$23,761
−HK$728/mo
Today · 4.125%
HK$24,489
baseline
▲ 0.50% · 4.625%
HK$25,980
+HK$1,491/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$48,978/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$378,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,637
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$26,324
−HK$698/mo
Today · 4.125%
HK$27,022
baseline
▲ 0.50% · 4.625%
HK$28,446
+HK$1,424/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$54,044/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$378,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,653
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$28,513
−HK$874/mo
Today · 4.125%
HK$29,387
baseline
▲ 0.50% · 4.625%
HK$31,175
+HK$1,788/mo
Deposit HK$4.04M · loan HK$6.06M · min. income ≈ HK$58,774/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$378,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,764
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$31,589
−HK$837/mo
Today · 4.125%
HK$32,426
baseline
▲ 0.50% · 4.625%
HK$34,135
+HK$1,709/mo
Deposit HK$4.04M · loan HK$6.06M · min. income ≈ HK$64,852/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$378,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,262
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$33,266
−HK$1,019/mo
Today · 4.125%
HK$34,285
baseline
▲ 0.50% · 4.625%
HK$36,371
+HK$2,086/mo
Deposit HK$3.03M · loan HK$7.07M · min. income ≈ HK$68,570/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,891
−HK$1,939/mo
▼ 0.25% · 3.875%
HK$36,854
−HK$976/mo
Today · 4.125%
HK$37,830
baseline
▲ 0.50% · 4.625%
HK$39,824
+HK$1,994/mo
Deposit HK$3.03M · loan HK$7.07M · min. income ≈ HK$75,660/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,480
−HK$2,601/mo
▼ 0.25% · 3.875%
HK$42,770
−HK$1,311/mo
Today · 4.125%
HK$44,081
baseline
▲ 0.50% · 4.625%
HK$46,763
+HK$2,682/mo
Deposit HK$1.01M · loan HK$9.10M · min. income ≈ HK$88,162/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,146
−HK$2,493/mo
▼ 0.25% · 3.875%
HK$47,383
−HK$1,256/mo
Today · 4.125%
HK$48,639
baseline
▲ 0.50% · 4.625%
HK$51,203
+HK$2,564/mo
Deposit HK$1.01M · loan HK$9.10M · min. income ≈ HK$97,278/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,977 · Scale 2, in force from 26 Feb 2026)