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$23,016
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$23,732
−HK$727/mo
Today · 4.125%
HK$24,459
baseline
▲ 0.50% · 4.625%
HK$25,947
+HK$1,488/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$48,918/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$378,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,605
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$26,291
−HK$697/mo
Today · 4.125%
HK$26,988
baseline
▲ 0.50% · 4.625%
HK$28,411
+HK$1,423/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$53,976/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$378,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,619
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$28,478
−HK$873/mo
Today · 4.125%
HK$29,351
baseline
▲ 0.50% · 4.625%
HK$31,137
+HK$1,786/mo
Deposit HK$4.04M · loan HK$6.06M · min. income ≈ HK$58,702/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$378,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,726
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$31,550
−HK$836/mo
Today · 4.125%
HK$32,386
baseline
▲ 0.50% · 4.625%
HK$34,093
+HK$1,707/mo
Deposit HK$4.04M · loan HK$6.06M · min. income ≈ HK$64,772/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$378,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,222
−HK$2,021/mo
▼ 0.25% · 3.875%
HK$33,224
−HK$1,019/mo
Today · 4.125%
HK$34,243
baseline
▲ 0.50% · 4.625%
HK$36,326
+HK$2,083/mo
Deposit HK$3.03M · loan HK$7.07M · min. income ≈ HK$68,486/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,847
−HK$1,936/mo
▼ 0.25% · 3.875%
HK$36,808
−HK$975/mo
Today · 4.125%
HK$37,783
baseline
▲ 0.50% · 4.625%
HK$39,775
+HK$1,992/mo
Deposit HK$3.03M · loan HK$7.07M · min. income ≈ HK$75,566/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,428
−HK$2,598/mo
▼ 0.25% · 3.875%
HK$42,717
−HK$1,309/mo
Today · 4.125%
HK$44,026
baseline
▲ 0.50% · 4.625%
HK$46,705
+HK$2,679/mo
Deposit HK$1.01M · loan HK$9.08M · min. income ≈ HK$88,052/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,089
−HK$2,490/mo
▼ 0.25% · 3.875%
HK$47,325
−HK$1,254/mo
Today · 4.125%
HK$48,579
baseline
▲ 0.50% · 4.625%
HK$51,139
+HK$2,560/mo
Deposit HK$1.01M · loan HK$9.08M · min. income ≈ HK$97,158/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,506 · Scale 2, in force from 26 Feb 2026)