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$23,018
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$23,734
−HK$728/mo
Today · 4.125%
HK$24,462
baseline
▲ 0.50% · 4.625%
HK$25,950
+HK$1,488/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$48,924/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$378,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,607
−HK$1,384/mo
▼ 0.25% · 3.875%
HK$26,294
−HK$697/mo
Today · 4.125%
HK$26,991
baseline
▲ 0.50% · 4.625%
HK$28,414
+HK$1,423/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$53,982/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$378,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,622
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$28,481
−HK$873/mo
Today · 4.125%
HK$29,354
baseline
▲ 0.50% · 4.625%
HK$31,140
+HK$1,786/mo
Deposit HK$4.04M · loan HK$6.06M · min. income ≈ HK$58,708/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$378,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,729
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$31,553
−HK$836/mo
Today · 4.125%
HK$32,389
baseline
▲ 0.50% · 4.625%
HK$34,096
+HK$1,707/mo
Deposit HK$4.04M · loan HK$6.06M · min. income ≈ HK$64,778/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$378,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,225
−HK$2,021/mo
▼ 0.25% · 3.875%
HK$33,228
−HK$1,018/mo
Today · 4.125%
HK$34,246
baseline
▲ 0.50% · 4.625%
HK$36,330
+HK$2,084/mo
Deposit HK$3.03M · loan HK$7.07M · min. income ≈ HK$68,492/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,850
−HK$1,937/mo
▼ 0.25% · 3.875%
HK$36,812
−HK$975/mo
Today · 4.125%
HK$37,787
baseline
▲ 0.50% · 4.625%
HK$39,779
+HK$1,992/mo
Deposit HK$3.03M · loan HK$7.07M · min. income ≈ HK$75,574/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,433
−HK$2,598/mo
▼ 0.25% · 3.875%
HK$42,721
−HK$1,310/mo
Today · 4.125%
HK$44,031
baseline
▲ 0.50% · 4.625%
HK$46,710
+HK$2,679/mo
Deposit HK$1.01M · loan HK$9.09M · min. income ≈ HK$88,062/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,093
−HK$2,491/mo
▼ 0.25% · 3.875%
HK$47,330
−HK$1,254/mo
Today · 4.125%
HK$48,584
baseline
▲ 0.50% · 4.625%
HK$51,145
+HK$2,561/mo
Deposit HK$1.01M · loan HK$9.09M · min. income ≈ HK$97,168/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,546 · Scale 2, in force from 26 Feb 2026)