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$23,023
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$23,739
−HK$728/mo
Today · 4.125%
HK$24,467
baseline
▲ 0.50% · 4.625%
HK$25,956
+HK$1,489/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$48,934/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$378,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,613
−HK$1,384/mo
▼ 0.25% · 3.875%
HK$26,300
−HK$697/mo
Today · 4.125%
HK$26,997
baseline
▲ 0.50% · 4.625%
HK$28,420
+HK$1,423/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$53,994/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$378,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,628
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$28,487
−HK$873/mo
Today · 4.125%
HK$29,360
baseline
▲ 0.50% · 4.625%
HK$31,147
+HK$1,787/mo
Deposit HK$4.04M · loan HK$6.06M · min. income ≈ HK$58,720/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$378,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,736
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$31,560
−HK$836/mo
Today · 4.125%
HK$32,396
baseline
▲ 0.50% · 4.625%
HK$34,104
+HK$1,708/mo
Deposit HK$4.04M · loan HK$6.06M · min. income ≈ HK$64,792/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$378,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,233
−HK$2,021/mo
▼ 0.25% · 3.875%
HK$33,235
−HK$1,019/mo
Today · 4.125%
HK$34,254
baseline
▲ 0.50% · 4.625%
HK$36,338
+HK$2,084/mo
Deposit HK$3.03M · loan HK$7.07M · min. income ≈ HK$68,508/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,858
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$36,820
−HK$976/mo
Today · 4.125%
HK$37,796
baseline
▲ 0.50% · 4.625%
HK$39,788
+HK$1,992/mo
Deposit HK$3.03M · loan HK$7.07M · min. income ≈ HK$75,592/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,442
−HK$2,599/mo
▼ 0.25% · 3.875%
HK$42,731
−HK$1,310/mo
Today · 4.125%
HK$44,041
baseline
▲ 0.50% · 4.625%
HK$46,720
+HK$2,679/mo
Deposit HK$1.01M · loan HK$9.09M · min. income ≈ HK$88,082/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,104
−HK$2,490/mo
▼ 0.25% · 3.875%
HK$47,340
−HK$1,254/mo
Today · 4.125%
HK$48,594
baseline
▲ 0.50% · 4.625%
HK$51,156
+HK$2,562/mo
Deposit HK$1.01M · loan HK$9.09M · min. income ≈ HK$97,188/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,630 · Scale 2, in force from 26 Feb 2026)