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$23,025
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$23,741
−HK$728/mo
Today · 4.125%
HK$24,469
baseline
▲ 0.50% · 4.625%
HK$25,958
+HK$1,489/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$48,938/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$378,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,615
−HK$1,384/mo
▼ 0.25% · 3.875%
HK$26,302
−HK$697/mo
Today · 4.125%
HK$26,999
baseline
▲ 0.50% · 4.625%
HK$28,422
+HK$1,423/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$53,998/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$378,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,630
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$28,489
−HK$873/mo
Today · 4.125%
HK$29,362
baseline
▲ 0.50% · 4.625%
HK$31,149
+HK$1,787/mo
Deposit HK$4.04M · loan HK$6.06M · min. income ≈ HK$58,724/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$378,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,738
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$31,562
−HK$837/mo
Today · 4.125%
HK$32,399
baseline
▲ 0.50% · 4.625%
HK$34,106
+HK$1,707/mo
Deposit HK$4.04M · loan HK$6.06M · min. income ≈ HK$64,798/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$378,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,235
−HK$2,021/mo
▼ 0.25% · 3.875%
HK$33,237
−HK$1,019/mo
Today · 4.125%
HK$34,256
baseline
▲ 0.50% · 4.625%
HK$36,341
+HK$2,085/mo
Deposit HK$3.03M · loan HK$7.07M · min. income ≈ HK$68,512/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,861
−HK$1,937/mo
▼ 0.25% · 3.875%
HK$36,823
−HK$975/mo
Today · 4.125%
HK$37,798
baseline
▲ 0.50% · 4.625%
HK$39,791
+HK$1,993/mo
Deposit HK$3.03M · loan HK$7.07M · min. income ≈ HK$75,596/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,445
−HK$2,599/mo
▼ 0.25% · 3.875%
HK$42,734
−HK$1,310/mo
Today · 4.125%
HK$44,044
baseline
▲ 0.50% · 4.625%
HK$46,724
+HK$2,680/mo
Deposit HK$1.01M · loan HK$9.09M · min. income ≈ HK$88,088/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,107
−HK$2,491/mo
▼ 0.25% · 3.875%
HK$47,343
−HK$1,255/mo
Today · 4.125%
HK$48,598
baseline
▲ 0.50% · 4.625%
HK$51,159
+HK$2,561/mo
Deposit HK$1.01M · loan HK$9.09M · min. income ≈ HK$97,196/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,656 · Scale 2, in force from 26 Feb 2026)