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$23,015
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$23,731
−HK$727/mo
Today · 4.125%
HK$24,458
baseline
▲ 0.50% · 4.625%
HK$25,946
+HK$1,488/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$48,916/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$378,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,604
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$26,291
−HK$696/mo
Today · 4.125%
HK$26,987
baseline
▲ 0.50% · 4.625%
HK$28,410
+HK$1,423/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$53,974/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$378,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,618
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$28,477
−HK$873/mo
Today · 4.125%
HK$29,350
baseline
▲ 0.50% · 4.625%
HK$31,136
+HK$1,786/mo
Deposit HK$4.04M · loan HK$6.06M · min. income ≈ HK$58,700/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$378,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,725
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$31,549
−HK$836/mo
Today · 4.125%
HK$32,385
baseline
▲ 0.50% · 4.625%
HK$34,092
+HK$1,707/mo
Deposit HK$4.04M · loan HK$6.06M · min. income ≈ HK$64,770/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$378,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,221
−HK$2,020/mo
▼ 0.25% · 3.875%
HK$33,223
−HK$1,018/mo
Today · 4.125%
HK$34,241
baseline
▲ 0.50% · 4.625%
HK$36,325
+HK$2,084/mo
Deposit HK$3.03M · loan HK$7.07M · min. income ≈ HK$68,482/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,845
−HK$1,937/mo
▼ 0.25% · 3.875%
HK$36,807
−HK$975/mo
Today · 4.125%
HK$37,782
baseline
▲ 0.50% · 4.625%
HK$39,774
+HK$1,992/mo
Deposit HK$3.03M · loan HK$7.07M · min. income ≈ HK$75,564/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,427
−HK$2,598/mo
▼ 0.25% · 3.875%
HK$42,716
−HK$1,309/mo
Today · 4.125%
HK$44,025
baseline
▲ 0.50% · 4.625%
HK$46,704
+HK$2,679/mo
Deposit HK$1.01M · loan HK$9.08M · min. income ≈ HK$88,050/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,087
−HK$2,490/mo
▼ 0.25% · 3.875%
HK$47,323
−HK$1,254/mo
Today · 4.125%
HK$48,577
baseline
▲ 0.50% · 4.625%
HK$51,138
+HK$2,561/mo
Deposit HK$1.01M · loan HK$9.08M · min. income ≈ HK$97,154/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,494 · Scale 2, in force from 26 Feb 2026)