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$23,030
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$23,746
−HK$728/mo
Today · 4.125%
HK$24,474
baseline
▲ 0.50% · 4.625%
HK$25,963
+HK$1,489/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$48,948/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$378,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,621
−HK$1,384/mo
▼ 0.25% · 3.875%
HK$26,308
−HK$697/mo
Today · 4.125%
HK$27,005
baseline
▲ 0.50% · 4.625%
HK$28,428
+HK$1,423/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$54,010/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$378,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,636
−HK$1,733/mo
▼ 0.25% · 3.875%
HK$28,496
−HK$873/mo
Today · 4.125%
HK$29,369
baseline
▲ 0.50% · 4.625%
HK$31,156
+HK$1,787/mo
Deposit HK$4.04M · loan HK$6.06M · min. income ≈ HK$58,738/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$378,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,745
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$31,569
−HK$837/mo
Today · 4.125%
HK$32,406
baseline
▲ 0.50% · 4.625%
HK$34,114
+HK$1,708/mo
Deposit HK$4.04M · loan HK$6.06M · min. income ≈ HK$64,812/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$378,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,242
−HK$2,022/mo
▼ 0.25% · 3.875%
HK$33,245
−HK$1,019/mo
Today · 4.125%
HK$34,264
baseline
▲ 0.50% · 4.625%
HK$36,349
+HK$2,085/mo
Deposit HK$3.03M · loan HK$7.07M · min. income ≈ HK$68,528/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,869
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$36,831
−HK$976/mo
Today · 4.125%
HK$37,807
baseline
▲ 0.50% · 4.625%
HK$39,800
+HK$1,993/mo
Deposit HK$3.03M · loan HK$7.07M · min. income ≈ HK$75,614/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,454
−HK$2,599/mo
▼ 0.25% · 3.875%
HK$42,743
−HK$1,310/mo
Today · 4.125%
HK$44,053
baseline
▲ 0.50% · 4.625%
HK$46,734
+HK$2,681/mo
Deposit HK$1.01M · loan HK$9.09M · min. income ≈ HK$88,106/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,117
−HK$2,492/mo
▼ 0.25% · 3.875%
HK$47,354
−HK$1,255/mo
Today · 4.125%
HK$48,609
baseline
▲ 0.50% · 4.625%
HK$51,171
+HK$2,562/mo
Deposit HK$1.01M · loan HK$9.09M · min. income ≈ HK$97,218/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,740 · Scale 2, in force from 26 Feb 2026)