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$23,026
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$23,743
−HK$727/mo
Today · 4.125%
HK$24,470
baseline
▲ 0.50% · 4.625%
HK$25,959
+HK$1,489/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$48,940/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$378,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,617
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$26,304
−HK$696/mo
Today · 4.125%
HK$27,000
baseline
▲ 0.50% · 4.625%
HK$28,424
+HK$1,424/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$54,000/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$378,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,632
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$28,491
−HK$873/mo
Today · 4.125%
HK$29,364
baseline
▲ 0.50% · 4.625%
HK$31,151
+HK$1,787/mo
Deposit HK$4.04M · loan HK$6.06M · min. income ≈ HK$58,728/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$378,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,740
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$31,564
−HK$837/mo
Today · 4.125%
HK$32,401
baseline
▲ 0.50% · 4.625%
HK$34,108
+HK$1,707/mo
Deposit HK$4.04M · loan HK$6.06M · min. income ≈ HK$64,802/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$378,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,237
−HK$2,021/mo
▼ 0.25% · 3.875%
HK$33,240
−HK$1,018/mo
Today · 4.125%
HK$34,258
baseline
▲ 0.50% · 4.625%
HK$36,343
+HK$2,085/mo
Deposit HK$3.03M · loan HK$7.07M · min. income ≈ HK$68,516/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,863
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$36,825
−HK$976/mo
Today · 4.125%
HK$37,801
baseline
▲ 0.50% · 4.625%
HK$39,793
+HK$1,992/mo
Deposit HK$3.03M · loan HK$7.07M · min. income ≈ HK$75,602/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,447
−HK$2,599/mo
▼ 0.25% · 3.875%
HK$42,737
−HK$1,309/mo
Today · 4.125%
HK$44,046
baseline
▲ 0.50% · 4.625%
HK$46,727
+HK$2,681/mo
Deposit HK$1.01M · loan HK$9.09M · min. income ≈ HK$88,092/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,110
−HK$2,491/mo
▼ 0.25% · 3.875%
HK$47,346
−HK$1,255/mo
Today · 4.125%
HK$48,601
baseline
▲ 0.50% · 4.625%
HK$51,163
+HK$2,562/mo
Deposit HK$1.01M · loan HK$9.09M · min. income ≈ HK$97,202/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,680 · Scale 2, in force from 26 Feb 2026)