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$23,012
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$23,728
−HK$727/mo
Today · 4.125%
HK$24,455
baseline
▲ 0.50% · 4.625%
HK$25,943
+HK$1,488/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$48,910/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$378,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,600
−HK$1,384/mo
▼ 0.25% · 3.875%
HK$26,287
−HK$697/mo
Today · 4.125%
HK$26,984
baseline
▲ 0.50% · 4.625%
HK$28,406
+HK$1,422/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$53,968/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$378,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,614
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$28,473
−HK$873/mo
Today · 4.125%
HK$29,346
baseline
▲ 0.50% · 4.625%
HK$31,131
+HK$1,785/mo
Deposit HK$4.04M · loan HK$6.06M · min. income ≈ HK$58,692/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$378,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,721
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$31,544
−HK$836/mo
Today · 4.125%
HK$32,380
baseline
▲ 0.50% · 4.625%
HK$34,087
+HK$1,707/mo
Deposit HK$4.04M · loan HK$6.06M · min. income ≈ HK$64,760/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$378,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,217
−HK$2,020/mo
▼ 0.25% · 3.875%
HK$33,219
−HK$1,018/mo
Today · 4.125%
HK$34,237
baseline
▲ 0.50% · 4.625%
HK$36,320
+HK$2,083/mo
Deposit HK$3.03M · loan HK$7.06M · min. income ≈ HK$68,474/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,841
−HK$1,936/mo
▼ 0.25% · 3.875%
HK$36,802
−HK$975/mo
Today · 4.125%
HK$37,777
baseline
▲ 0.50% · 4.625%
HK$39,768
+HK$1,991/mo
Deposit HK$3.03M · loan HK$7.06M · min. income ≈ HK$75,554/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,421
−HK$2,598/mo
▼ 0.25% · 3.875%
HK$42,710
−HK$1,309/mo
Today · 4.125%
HK$44,019
baseline
▲ 0.50% · 4.625%
HK$46,697
+HK$2,678/mo
Deposit HK$1.01M · loan HK$9.08M · min. income ≈ HK$88,038/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,081
−HK$2,489/mo
▼ 0.25% · 3.875%
HK$47,317
−HK$1,253/mo
Today · 4.125%
HK$48,570
baseline
▲ 0.50% · 4.625%
HK$51,131
+HK$2,561/mo
Deposit HK$1.01M · loan HK$9.08M · min. income ≈ HK$97,140/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,442 · Scale 2, in force from 26 Feb 2026)