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$23,013
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$23,729
−HK$727/mo
Today · 4.125%
HK$24,456
baseline
▲ 0.50% · 4.625%
HK$25,944
+HK$1,488/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$48,912/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$378,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,602
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$26,288
−HK$697/mo
Today · 4.125%
HK$26,985
baseline
▲ 0.50% · 4.625%
HK$28,407
+HK$1,422/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$53,970/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$378,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,615
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$28,474
−HK$873/mo
Today · 4.125%
HK$29,347
baseline
▲ 0.50% · 4.625%
HK$31,133
+HK$1,786/mo
Deposit HK$4.04M · loan HK$6.06M · min. income ≈ HK$58,694/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$378,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,722
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$31,546
−HK$836/mo
Today · 4.125%
HK$32,382
baseline
▲ 0.50% · 4.625%
HK$34,089
+HK$1,707/mo
Deposit HK$4.04M · loan HK$6.06M · min. income ≈ HK$64,764/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$378,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,218
−HK$2,020/mo
▼ 0.25% · 3.875%
HK$33,220
−HK$1,018/mo
Today · 4.125%
HK$34,238
baseline
▲ 0.50% · 4.625%
HK$36,322
+HK$2,084/mo
Deposit HK$3.03M · loan HK$7.06M · min. income ≈ HK$68,476/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,842
−HK$1,937/mo
▼ 0.25% · 3.875%
HK$36,803
−HK$976/mo
Today · 4.125%
HK$37,779
baseline
▲ 0.50% · 4.625%
HK$39,770
+HK$1,991/mo
Deposit HK$3.03M · loan HK$7.06M · min. income ≈ HK$75,558/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,423
−HK$2,598/mo
▼ 0.25% · 3.875%
HK$42,712
−HK$1,309/mo
Today · 4.125%
HK$44,021
baseline
▲ 0.50% · 4.625%
HK$46,699
+HK$2,678/mo
Deposit HK$1.01M · loan HK$9.08M · min. income ≈ HK$88,042/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,083
−HK$2,489/mo
▼ 0.25% · 3.875%
HK$47,319
−HK$1,253/mo
Today · 4.125%
HK$48,572
baseline
▲ 0.50% · 4.625%
HK$51,133
+HK$2,561/mo
Deposit HK$1.01M · loan HK$9.08M · min. income ≈ HK$97,144/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,458 · Scale 2, in force from 26 Feb 2026)