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$23,027
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$23,743
−HK$728/mo
Today · 4.125%
HK$24,471
baseline
▲ 0.50% · 4.625%
HK$25,959
+HK$1,488/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$48,942/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$378,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,617
−HK$1,384/mo
▼ 0.25% · 3.875%
HK$26,304
−HK$697/mo
Today · 4.125%
HK$27,001
baseline
▲ 0.50% · 4.625%
HK$28,424
+HK$1,423/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$54,002/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$378,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,632
−HK$1,733/mo
▼ 0.25% · 3.875%
HK$28,491
−HK$874/mo
Today · 4.125%
HK$29,365
baseline
▲ 0.50% · 4.625%
HK$31,151
+HK$1,786/mo
Deposit HK$4.04M · loan HK$6.06M · min. income ≈ HK$58,730/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$378,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,740
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$31,565
−HK$836/mo
Today · 4.125%
HK$32,401
baseline
▲ 0.50% · 4.625%
HK$34,109
+HK$1,708/mo
Deposit HK$4.04M · loan HK$6.06M · min. income ≈ HK$64,802/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$378,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,237
−HK$2,022/mo
▼ 0.25% · 3.875%
HK$33,240
−HK$1,019/mo
Today · 4.125%
HK$34,259
baseline
▲ 0.50% · 4.625%
HK$36,343
+HK$2,084/mo
Deposit HK$3.03M · loan HK$7.07M · min. income ≈ HK$68,518/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,864
−HK$1,937/mo
▼ 0.25% · 3.875%
HK$36,825
−HK$976/mo
Today · 4.125%
HK$37,801
baseline
▲ 0.50% · 4.625%
HK$39,794
+HK$1,993/mo
Deposit HK$3.03M · loan HK$7.07M · min. income ≈ HK$75,602/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,448
−HK$2,599/mo
▼ 0.25% · 3.875%
HK$42,737
−HK$1,310/mo
Today · 4.125%
HK$44,047
baseline
▲ 0.50% · 4.625%
HK$46,727
+HK$2,680/mo
Deposit HK$1.01M · loan HK$9.09M · min. income ≈ HK$88,094/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,110
−HK$2,491/mo
▼ 0.25% · 3.875%
HK$47,347
−HK$1,254/mo
Today · 4.125%
HK$48,601
baseline
▲ 0.50% · 4.625%
HK$51,163
+HK$2,562/mo
Deposit HK$1.01M · loan HK$9.09M · min. income ≈ HK$97,202/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,684 · Scale 2, in force from 26 Feb 2026)