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$23,043
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$23,759
−HK$729/mo
Today · 4.125%
HK$24,488
baseline
▲ 0.50% · 4.625%
HK$25,978
+HK$1,490/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$48,976/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$378,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,635
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$26,322
−HK$698/mo
Today · 4.125%
HK$27,020
baseline
▲ 0.50% · 4.625%
HK$28,444
+HK$1,424/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$54,040/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$378,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,651
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$28,511
−HK$874/mo
Today · 4.125%
HK$29,385
baseline
▲ 0.50% · 4.625%
HK$31,173
+HK$1,788/mo
Deposit HK$4.04M · loan HK$6.06M · min. income ≈ HK$58,770/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$378,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,762
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$31,587
−HK$837/mo
Today · 4.125%
HK$32,424
baseline
▲ 0.50% · 4.625%
HK$34,133
+HK$1,709/mo
Deposit HK$4.04M · loan HK$6.06M · min. income ≈ HK$64,848/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$378,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,260
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$33,263
−HK$1,020/mo
Today · 4.125%
HK$34,283
baseline
▲ 0.50% · 4.625%
HK$36,369
+HK$2,086/mo
Deposit HK$3.03M · loan HK$7.07M · min. income ≈ HK$68,566/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,889
−HK$1,939/mo
▼ 0.25% · 3.875%
HK$36,851
−HK$977/mo
Today · 4.125%
HK$37,828
baseline
▲ 0.50% · 4.625%
HK$39,822
+HK$1,994/mo
Deposit HK$3.03M · loan HK$7.07M · min. income ≈ HK$75,656/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,477
−HK$2,601/mo
▼ 0.25% · 3.875%
HK$42,767
−HK$1,311/mo
Today · 4.125%
HK$44,078
baseline
▲ 0.50% · 4.625%
HK$46,760
+HK$2,682/mo
Deposit HK$1.01M · loan HK$9.09M · min. income ≈ HK$88,156/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,143
−HK$2,493/mo
▼ 0.25% · 3.875%
HK$47,380
−HK$1,256/mo
Today · 4.125%
HK$48,636
baseline
▲ 0.50% · 4.625%
HK$51,199
+HK$2,563/mo
Deposit HK$1.01M · loan HK$9.09M · min. income ≈ HK$97,272/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,950 · Scale 2, in force from 26 Feb 2026)