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$23,033
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$23,749
−HK$728/mo
Today · 4.125%
HK$24,477
baseline
▲ 0.50% · 4.625%
HK$25,966
+HK$1,489/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$48,954/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$378,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,624
−HK$1,384/mo
▼ 0.25% · 3.875%
HK$26,311
−HK$697/mo
Today · 4.125%
HK$27,008
baseline
▲ 0.50% · 4.625%
HK$28,432
+HK$1,424/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$54,016/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$378,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,639
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$28,499
−HK$874/mo
Today · 4.125%
HK$29,373
baseline
▲ 0.50% · 4.625%
HK$31,160
+HK$1,787/mo
Deposit HK$4.04M · loan HK$6.06M · min. income ≈ HK$58,746/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$378,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,748
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$31,573
−HK$837/mo
Today · 4.125%
HK$32,410
baseline
▲ 0.50% · 4.625%
HK$34,118
+HK$1,708/mo
Deposit HK$4.04M · loan HK$6.06M · min. income ≈ HK$64,820/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$378,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,246
−HK$2,022/mo
▼ 0.25% · 3.875%
HK$33,249
−HK$1,019/mo
Today · 4.125%
HK$34,268
baseline
▲ 0.50% · 4.625%
HK$36,353
+HK$2,085/mo
Deposit HK$3.03M · loan HK$7.07M · min. income ≈ HK$68,536/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,873
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$36,835
−HK$976/mo
Today · 4.125%
HK$37,811
baseline
▲ 0.50% · 4.625%
HK$39,804
+HK$1,993/mo
Deposit HK$3.03M · loan HK$7.07M · min. income ≈ HK$75,622/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,459
−HK$2,600/mo
▼ 0.25% · 3.875%
HK$42,749
−HK$1,310/mo
Today · 4.125%
HK$44,059
baseline
▲ 0.50% · 4.625%
HK$46,740
+HK$2,681/mo
Deposit HK$1.01M · loan HK$9.09M · min. income ≈ HK$88,118/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,123
−HK$2,492/mo
▼ 0.25% · 3.875%
HK$47,360
−HK$1,255/mo
Today · 4.125%
HK$48,615
baseline
▲ 0.50% · 4.625%
HK$51,177
+HK$2,562/mo
Deposit HK$1.01M · loan HK$9.09M · min. income ≈ HK$97,230/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,786 · Scale 2, in force from 26 Feb 2026)