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$23,017
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$23,733
−HK$727/mo
Today · 4.125%
HK$24,460
baseline
▲ 0.50% · 4.625%
HK$25,948
+HK$1,488/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$48,920/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$378,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,606
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$26,293
−HK$696/mo
Today · 4.125%
HK$26,989
baseline
▲ 0.50% · 4.625%
HK$28,412
+HK$1,423/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$53,978/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$378,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,620
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$28,479
−HK$873/mo
Today · 4.125%
HK$29,352
baseline
▲ 0.50% · 4.625%
HK$31,138
+HK$1,786/mo
Deposit HK$4.04M · loan HK$6.06M · min. income ≈ HK$58,704/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$378,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,727
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$31,551
−HK$836/mo
Today · 4.125%
HK$32,387
baseline
▲ 0.50% · 4.625%
HK$34,094
+HK$1,707/mo
Deposit HK$4.04M · loan HK$6.06M · min. income ≈ HK$64,774/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$378,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,223
−HK$2,021/mo
▼ 0.25% · 3.875%
HK$33,226
−HK$1,018/mo
Today · 4.125%
HK$34,244
baseline
▲ 0.50% · 4.625%
HK$36,328
+HK$2,084/mo
Deposit HK$3.03M · loan HK$7.07M · min. income ≈ HK$68,488/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,848
−HK$1,937/mo
▼ 0.25% · 3.875%
HK$36,810
−HK$975/mo
Today · 4.125%
HK$37,785
baseline
▲ 0.50% · 4.625%
HK$39,777
+HK$1,992/mo
Deposit HK$3.03M · loan HK$7.07M · min. income ≈ HK$75,570/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,430
−HK$2,598/mo
▼ 0.25% · 3.875%
HK$42,719
−HK$1,309/mo
Today · 4.125%
HK$44,028
baseline
▲ 0.50% · 4.625%
HK$46,707
+HK$2,679/mo
Deposit HK$1.01M · loan HK$9.08M · min. income ≈ HK$88,056/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,091
−HK$2,490/mo
▼ 0.25% · 3.875%
HK$47,327
−HK$1,254/mo
Today · 4.125%
HK$48,581
baseline
▲ 0.50% · 4.625%
HK$51,142
+HK$2,561/mo
Deposit HK$1.01M · loan HK$9.08M · min. income ≈ HK$97,162/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,523 · Scale 2, in force from 26 Feb 2026)