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$23,020
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$23,736
−HK$727/mo
Today · 4.125%
HK$24,463
baseline
▲ 0.50% · 4.625%
HK$25,952
+HK$1,489/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$48,926/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$378,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,609
−HK$1,384/mo
▼ 0.25% · 3.875%
HK$26,296
−HK$697/mo
Today · 4.125%
HK$26,993
baseline
▲ 0.50% · 4.625%
HK$28,415
+HK$1,422/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$53,986/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$378,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,624
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$28,483
−HK$873/mo
Today · 4.125%
HK$29,356
baseline
▲ 0.50% · 4.625%
HK$31,142
+HK$1,786/mo
Deposit HK$4.04M · loan HK$6.06M · min. income ≈ HK$58,712/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$378,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,731
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$31,555
−HK$836/mo
Today · 4.125%
HK$32,391
baseline
▲ 0.50% · 4.625%
HK$34,099
+HK$1,708/mo
Deposit HK$4.04M · loan HK$6.06M · min. income ≈ HK$64,782/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$378,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,227
−HK$2,021/mo
▼ 0.25% · 3.875%
HK$33,230
−HK$1,018/mo
Today · 4.125%
HK$34,248
baseline
▲ 0.50% · 4.625%
HK$36,332
+HK$2,084/mo
Deposit HK$3.03M · loan HK$7.07M · min. income ≈ HK$68,496/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,853
−HK$1,937/mo
▼ 0.25% · 3.875%
HK$36,814
−HK$976/mo
Today · 4.125%
HK$37,790
baseline
▲ 0.50% · 4.625%
HK$39,782
+HK$1,992/mo
Deposit HK$3.03M · loan HK$7.07M · min. income ≈ HK$75,580/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,435
−HK$2,599/mo
▼ 0.25% · 3.875%
HK$42,724
−HK$1,310/mo
Today · 4.125%
HK$44,034
baseline
▲ 0.50% · 4.625%
HK$46,713
+HK$2,679/mo
Deposit HK$1.01M · loan HK$9.09M · min. income ≈ HK$88,068/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,096
−HK$2,491/mo
▼ 0.25% · 3.875%
HK$47,333
−HK$1,254/mo
Today · 4.125%
HK$48,587
baseline
▲ 0.50% · 4.625%
HK$51,148
+HK$2,561/mo
Deposit HK$1.01M · loan HK$9.09M · min. income ≈ HK$97,174/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,570 · Scale 2, in force from 26 Feb 2026)