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$23,040
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$23,756
−HK$728/mo
Today · 4.125%
HK$24,484
baseline
▲ 0.50% · 4.625%
HK$25,974
+HK$1,490/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$48,968/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$378,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,631
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$26,319
−HK$697/mo
Today · 4.125%
HK$27,016
baseline
▲ 0.50% · 4.625%
HK$28,440
+HK$1,424/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$54,032/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$378,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,648
−HK$1,733/mo
▼ 0.25% · 3.875%
HK$28,508
−HK$873/mo
Today · 4.125%
HK$29,381
baseline
▲ 0.50% · 4.625%
HK$31,169
+HK$1,788/mo
Deposit HK$4.04M · loan HK$6.06M · min. income ≈ HK$58,762/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$378,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,758
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$31,583
−HK$836/mo
Today · 4.125%
HK$32,419
baseline
▲ 0.50% · 4.625%
HK$34,128
+HK$1,709/mo
Deposit HK$4.04M · loan HK$6.06M · min. income ≈ HK$64,838/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$378,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,256
−HK$2,022/mo
▼ 0.25% · 3.875%
HK$33,259
−HK$1,019/mo
Today · 4.125%
HK$34,278
baseline
▲ 0.50% · 4.625%
HK$36,364
+HK$2,086/mo
Deposit HK$3.03M · loan HK$7.07M · min. income ≈ HK$68,556/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,884
−HK$1,939/mo
▼ 0.25% · 3.875%
HK$36,846
−HK$977/mo
Today · 4.125%
HK$37,823
baseline
▲ 0.50% · 4.625%
HK$39,816
+HK$1,993/mo
Deposit HK$3.03M · loan HK$7.07M · min. income ≈ HK$75,646/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,471
−HK$2,601/mo
▼ 0.25% · 3.875%
HK$42,761
−HK$1,311/mo
Today · 4.125%
HK$44,072
baseline
▲ 0.50% · 4.625%
HK$46,754
+HK$2,682/mo
Deposit HK$1.01M · loan HK$9.09M · min. income ≈ HK$88,144/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,136
−HK$2,493/mo
▼ 0.25% · 3.875%
HK$47,374
−HK$1,255/mo
Today · 4.125%
HK$48,629
baseline
▲ 0.50% · 4.625%
HK$51,192
+HK$2,563/mo
Deposit HK$1.01M · loan HK$9.09M · min. income ≈ HK$97,258/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,899 · Scale 2, in force from 26 Feb 2026)