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$23,019
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$23,735
−HK$727/mo
Today · 4.125%
HK$24,462
baseline
▲ 0.50% · 4.625%
HK$25,950
+HK$1,488/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$48,924/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$378,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,608
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$26,295
−HK$696/mo
Today · 4.125%
HK$26,991
baseline
▲ 0.50% · 4.625%
HK$28,414
+HK$1,423/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$53,982/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$378,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,622
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$28,481
−HK$873/mo
Today · 4.125%
HK$29,354
baseline
▲ 0.50% · 4.625%
HK$31,141
+HK$1,787/mo
Deposit HK$4.04M · loan HK$6.06M · min. income ≈ HK$58,708/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$378,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,730
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$31,554
−HK$836/mo
Today · 4.125%
HK$32,390
baseline
▲ 0.50% · 4.625%
HK$34,097
+HK$1,707/mo
Deposit HK$4.04M · loan HK$6.06M · min. income ≈ HK$64,780/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$378,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,226
−HK$2,021/mo
▼ 0.25% · 3.875%
HK$33,228
−HK$1,019/mo
Today · 4.125%
HK$34,247
baseline
▲ 0.50% · 4.625%
HK$36,331
+HK$2,084/mo
Deposit HK$3.03M · loan HK$7.07M · min. income ≈ HK$68,494/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,851
−HK$1,937/mo
▼ 0.25% · 3.875%
HK$36,813
−HK$975/mo
Today · 4.125%
HK$37,788
baseline
▲ 0.50% · 4.625%
HK$39,780
+HK$1,992/mo
Deposit HK$3.03M · loan HK$7.07M · min. income ≈ HK$75,576/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,433
−HK$2,599/mo
▼ 0.25% · 3.875%
HK$42,722
−HK$1,310/mo
Today · 4.125%
HK$44,032
baseline
▲ 0.50% · 4.625%
HK$46,711
+HK$2,679/mo
Deposit HK$1.01M · loan HK$9.09M · min. income ≈ HK$88,064/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,094
−HK$2,491/mo
▼ 0.25% · 3.875%
HK$47,330
−HK$1,255/mo
Today · 4.125%
HK$48,585
baseline
▲ 0.50% · 4.625%
HK$51,146
+HK$2,561/mo
Deposit HK$1.01M · loan HK$9.09M · min. income ≈ HK$97,170/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,553 · Scale 2, in force from 26 Feb 2026)