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$23,011
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$23,727
−HK$727/mo
Today · 4.125%
HK$24,454
baseline
▲ 0.50% · 4.625%
HK$25,942
+HK$1,488/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$48,908/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$378,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,600
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$26,286
−HK$697/mo
Today · 4.125%
HK$26,983
baseline
▲ 0.50% · 4.625%
HK$28,405
+HK$1,422/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$53,966/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$378,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,613
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$28,472
−HK$873/mo
Today · 4.125%
HK$29,345
baseline
▲ 0.50% · 4.625%
HK$31,130
+HK$1,785/mo
Deposit HK$4.04M · loan HK$6.05M · min. income ≈ HK$58,690/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$378,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,719
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$31,543
−HK$836/mo
Today · 4.125%
HK$32,379
baseline
▲ 0.50% · 4.625%
HK$34,086
+HK$1,707/mo
Deposit HK$4.04M · loan HK$6.05M · min. income ≈ HK$64,758/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$378,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,215
−HK$2,021/mo
▼ 0.25% · 3.875%
HK$33,218
−HK$1,018/mo
Today · 4.125%
HK$34,236
baseline
▲ 0.50% · 4.625%
HK$36,319
+HK$2,083/mo
Deposit HK$3.03M · loan HK$7.06M · min. income ≈ HK$68,472/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,839
−HK$1,937/mo
▼ 0.25% · 3.875%
HK$36,801
−HK$975/mo
Today · 4.125%
HK$37,776
baseline
▲ 0.50% · 4.625%
HK$39,767
+HK$1,991/mo
Deposit HK$3.03M · loan HK$7.06M · min. income ≈ HK$75,552/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,420
−HK$2,597/mo
▼ 0.25% · 3.875%
HK$42,708
−HK$1,309/mo
Today · 4.125%
HK$44,017
baseline
▲ 0.50% · 4.625%
HK$46,696
+HK$2,679/mo
Deposit HK$1.01M · loan HK$9.08M · min. income ≈ HK$88,034/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,079
−HK$2,490/mo
▼ 0.25% · 3.875%
HK$47,315
−HK$1,254/mo
Today · 4.125%
HK$48,569
baseline
▲ 0.50% · 4.625%
HK$51,129
+HK$2,560/mo
Deposit HK$1.01M · loan HK$9.08M · min. income ≈ HK$97,138/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,429 · Scale 2, in force from 26 Feb 2026)