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$23,041
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$23,758
−HK$728/mo
Today · 4.125%
HK$24,486
baseline
▲ 0.50% · 4.625%
HK$25,976
+HK$1,490/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$48,972/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$378,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,633
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$26,320
−HK$698/mo
Today · 4.125%
HK$27,018
baseline
▲ 0.50% · 4.625%
HK$28,442
+HK$1,424/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$54,036/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$378,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,649
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$28,509
−HK$874/mo
Today · 4.125%
HK$29,383
baseline
▲ 0.50% · 4.625%
HK$31,171
+HK$1,788/mo
Deposit HK$4.04M · loan HK$6.06M · min. income ≈ HK$58,766/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$378,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,759
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$31,584
−HK$837/mo
Today · 4.125%
HK$32,421
baseline
▲ 0.50% · 4.625%
HK$34,130
+HK$1,709/mo
Deposit HK$4.04M · loan HK$6.06M · min. income ≈ HK$64,842/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$378,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,257
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$33,261
−HK$1,019/mo
Today · 4.125%
HK$34,280
baseline
▲ 0.50% · 4.625%
HK$36,366
+HK$2,086/mo
Deposit HK$3.03M · loan HK$7.07M · min. income ≈ HK$68,560/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,886
−HK$1,939/mo
▼ 0.25% · 3.875%
HK$36,848
−HK$977/mo
Today · 4.125%
HK$37,825
baseline
▲ 0.50% · 4.625%
HK$39,819
+HK$1,994/mo
Deposit HK$3.03M · loan HK$7.07M · min. income ≈ HK$75,650/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,474
−HK$2,601/mo
▼ 0.25% · 3.875%
HK$42,764
−HK$1,311/mo
Today · 4.125%
HK$44,075
baseline
▲ 0.50% · 4.625%
HK$46,756
+HK$2,681/mo
Deposit HK$1.01M · loan HK$9.09M · min. income ≈ HK$88,150/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,139
−HK$2,493/mo
▼ 0.25% · 3.875%
HK$47,377
−HK$1,255/mo
Today · 4.125%
HK$48,632
baseline
▲ 0.50% · 4.625%
HK$51,195
+HK$2,563/mo
Deposit HK$1.01M · loan HK$9.09M · min. income ≈ HK$97,264/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,922 · Scale 2, in force from 26 Feb 2026)