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$23,742
−HK$728/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$378,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,616
−HK$1,384/mo
▼ 0.25% · 3.875%
HK$26,303
−HK$697/mo
Today · 4.125%
HK$27,000
baseline
▲ 0.50% · 4.625%
HK$28,423
+HK$1,423/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$378,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,631
−HK$1,733/mo
▼ 0.25% · 3.875%
HK$28,490
−HK$874/mo
Today · 4.125%
HK$29,364
baseline
▲ 0.50% · 4.625%
HK$31,150
+HK$1,786/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$378,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,739
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$31,564
−HK$836/mo
Today · 4.125%
HK$32,400
baseline
▲ 0.50% · 4.625%
HK$34,108
+HK$1,708/mo
Deposit HK$4.04M · loan HK$6.06M · min. income ≈ HK$64,800/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$378,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,236
−HK$2,022/mo
▼ 0.25% · 3.875%
HK$33,239
−HK$1,019/mo
Today · 4.125%
HK$34,258
baseline
▲ 0.50% · 4.625%
HK$36,342
+HK$2,084/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$378,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,862
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$36,824
−HK$976/mo
Today · 4.125%
HK$37,800
baseline
▲ 0.50% · 4.625%
HK$39,792
+HK$1,992/mo
Deposit HK$3.03M · loan HK$7.07M · min. income ≈ HK$75,600/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,446
−HK$2,600/mo
▼ 0.25% · 3.875%
HK$42,736
−HK$1,310/mo
Today · 4.125%
HK$44,046
baseline
▲ 0.50% · 4.625%
HK$46,726
+HK$2,680/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$378,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,109
−HK$2,491/mo
▼ 0.25% · 3.875%
HK$47,345
−HK$1,255/mo
Today · 4.125%
HK$48,600
baseline
▲ 0.50% · 4.625%
HK$51,162
+HK$2,562/mo
Deposit HK$1.01M · loan HK$9.09M · min. income ≈ HK$97,200/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,672 · Scale 2, in force from 26 Feb 2026)