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$23,014
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$23,730
−HK$727/mo
Today · 4.125%
HK$24,457
baseline
▲ 0.50% · 4.625%
HK$25,945
+HK$1,488/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$48,914/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$378,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,602
−HK$1,384/mo
▼ 0.25% · 3.875%
HK$26,289
−HK$697/mo
Today · 4.125%
HK$26,986
baseline
▲ 0.50% · 4.625%
HK$28,408
+HK$1,422/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$53,972/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$378,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,616
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$28,475
−HK$873/mo
Today · 4.125%
HK$29,348
baseline
▲ 0.50% · 4.625%
HK$31,134
+HK$1,786/mo
Deposit HK$4.04M · loan HK$6.06M · min. income ≈ HK$58,696/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$378,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,723
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$31,547
−HK$836/mo
Today · 4.125%
HK$32,383
baseline
▲ 0.50% · 4.625%
HK$34,090
+HK$1,707/mo
Deposit HK$4.04M · loan HK$6.06M · min. income ≈ HK$64,766/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$378,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,219
−HK$2,021/mo
▼ 0.25% · 3.875%
HK$33,221
−HK$1,019/mo
Today · 4.125%
HK$34,240
baseline
▲ 0.50% · 4.625%
HK$36,323
+HK$2,083/mo
Deposit HK$3.03M · loan HK$7.06M · min. income ≈ HK$68,480/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,843
−HK$1,937/mo
▼ 0.25% · 3.875%
HK$36,805
−HK$975/mo
Today · 4.125%
HK$37,780
baseline
▲ 0.50% · 4.625%
HK$39,771
+HK$1,991/mo
Deposit HK$3.03M · loan HK$7.06M · min. income ≈ HK$75,560/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,425
−HK$2,597/mo
▼ 0.25% · 3.875%
HK$42,713
−HK$1,309/mo
Today · 4.125%
HK$44,022
baseline
▲ 0.50% · 4.625%
HK$46,701
+HK$2,679/mo
Deposit HK$1.01M · loan HK$9.08M · min. income ≈ HK$88,044/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,084
−HK$2,490/mo
▼ 0.25% · 3.875%
HK$47,320
−HK$1,254/mo
Today · 4.125%
HK$48,574
baseline
▲ 0.50% · 4.625%
HK$51,135
+HK$2,561/mo
Deposit HK$1.01M · loan HK$9.08M · min. income ≈ HK$97,148/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,472 · Scale 2, in force from 26 Feb 2026)