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$23,042
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$23,759
−HK$728/mo
Today · 4.125%
HK$24,487
baseline
▲ 0.50% · 4.625%
HK$25,977
+HK$1,490/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$48,974/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$378,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,634
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$26,321
−HK$698/mo
Today · 4.125%
HK$27,019
baseline
▲ 0.50% · 4.625%
HK$28,443
+HK$1,424/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$54,038/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$378,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,650
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$28,510
−HK$874/mo
Today · 4.125%
HK$29,384
baseline
▲ 0.50% · 4.625%
HK$31,172
+HK$1,788/mo
Deposit HK$4.04M · loan HK$6.06M · min. income ≈ HK$58,768/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$378,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,761
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$31,586
−HK$837/mo
Today · 4.125%
HK$32,423
baseline
▲ 0.50% · 4.625%
HK$34,132
+HK$1,709/mo
Deposit HK$4.04M · loan HK$6.06M · min. income ≈ HK$64,846/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$378,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,259
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$33,262
−HK$1,020/mo
Today · 4.125%
HK$34,282
baseline
▲ 0.50% · 4.625%
HK$36,368
+HK$2,086/mo
Deposit HK$3.03M · loan HK$7.07M · min. income ≈ HK$68,564/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,888
−HK$1,939/mo
▼ 0.25% · 3.875%
HK$36,850
−HK$977/mo
Today · 4.125%
HK$37,827
baseline
▲ 0.50% · 4.625%
HK$39,820
+HK$1,993/mo
Deposit HK$3.03M · loan HK$7.07M · min. income ≈ HK$75,654/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,476
−HK$2,601/mo
▼ 0.25% · 3.875%
HK$42,766
−HK$1,311/mo
Today · 4.125%
HK$44,077
baseline
▲ 0.50% · 4.625%
HK$46,758
+HK$2,681/mo
Deposit HK$1.01M · loan HK$9.09M · min. income ≈ HK$88,154/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,141
−HK$2,493/mo
▼ 0.25% · 3.875%
HK$47,379
−HK$1,255/mo
Today · 4.125%
HK$48,634
baseline
▲ 0.50% · 4.625%
HK$51,198
+HK$2,564/mo
Deposit HK$1.01M · loan HK$9.09M · min. income ≈ HK$97,268/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,938 · Scale 2, in force from 26 Feb 2026)