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$23,022
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$23,738
−HK$727/mo
Today · 4.125%
HK$24,465
baseline
▲ 0.50% · 4.625%
HK$25,954
+HK$1,489/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$48,930/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$378,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,611
−HK$1,384/mo
▼ 0.25% · 3.875%
HK$26,298
−HK$697/mo
Today · 4.125%
HK$26,995
baseline
▲ 0.50% · 4.625%
HK$28,418
+HK$1,423/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$53,990/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$378,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,626
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$28,485
−HK$873/mo
Today · 4.125%
HK$29,358
baseline
▲ 0.50% · 4.625%
HK$31,145
+HK$1,787/mo
Deposit HK$4.04M · loan HK$6.06M · min. income ≈ HK$58,716/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$378,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,733
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$31,558
−HK$836/mo
Today · 4.125%
HK$32,394
baseline
▲ 0.50% · 4.625%
HK$34,101
+HK$1,707/mo
Deposit HK$4.04M · loan HK$6.06M · min. income ≈ HK$64,788/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$378,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,230
−HK$2,021/mo
▼ 0.25% · 3.875%
HK$33,233
−HK$1,018/mo
Today · 4.125%
HK$34,251
baseline
▲ 0.50% · 4.625%
HK$36,335
+HK$2,084/mo
Deposit HK$3.03M · loan HK$7.07M · min. income ≈ HK$68,502/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,856
−HK$1,937/mo
▼ 0.25% · 3.875%
HK$36,817
−HK$976/mo
Today · 4.125%
HK$37,793
baseline
▲ 0.50% · 4.625%
HK$39,785
+HK$1,992/mo
Deposit HK$3.03M · loan HK$7.07M · min. income ≈ HK$75,586/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,439
−HK$2,598/mo
▼ 0.25% · 3.875%
HK$42,728
−HK$1,309/mo
Today · 4.125%
HK$44,037
baseline
▲ 0.50% · 4.625%
HK$46,717
+HK$2,680/mo
Deposit HK$1.01M · loan HK$9.09M · min. income ≈ HK$88,074/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,100
−HK$2,491/mo
▼ 0.25% · 3.875%
HK$47,337
−HK$1,254/mo
Today · 4.125%
HK$48,591
baseline
▲ 0.50% · 4.625%
HK$51,152
+HK$2,561/mo
Deposit HK$1.01M · loan HK$9.09M · min. income ≈ HK$97,182/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,601 · Scale 2, in force from 26 Feb 2026)