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$23,033
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$23,750
−HK$728/mo
Today · 4.125%
HK$24,478
baseline
▲ 0.50% · 4.625%
HK$25,967
+HK$1,489/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$48,956/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$378,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,624
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$26,311
−HK$698/mo
Today · 4.125%
HK$27,009
baseline
▲ 0.50% · 4.625%
HK$28,432
+HK$1,423/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$54,018/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$378,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,640
−HK$1,733/mo
▼ 0.25% · 3.875%
HK$28,500
−HK$873/mo
Today · 4.125%
HK$29,373
baseline
▲ 0.50% · 4.625%
HK$31,160
+HK$1,787/mo
Deposit HK$4.04M · loan HK$6.06M · min. income ≈ HK$58,746/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$378,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,749
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$31,574
−HK$836/mo
Today · 4.125%
HK$32,410
baseline
▲ 0.50% · 4.625%
HK$34,119
+HK$1,709/mo
Deposit HK$4.04M · loan HK$6.06M · min. income ≈ HK$64,820/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$378,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,246
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$33,249
−HK$1,020/mo
Today · 4.125%
HK$34,269
baseline
▲ 0.50% · 4.625%
HK$36,354
+HK$2,085/mo
Deposit HK$3.03M · loan HK$7.07M · min. income ≈ HK$68,538/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,874
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$36,836
−HK$976/mo
Today · 4.125%
HK$37,812
baseline
▲ 0.50% · 4.625%
HK$39,805
+HK$1,993/mo
Deposit HK$3.03M · loan HK$7.07M · min. income ≈ HK$75,624/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,460
−HK$2,600/mo
▼ 0.25% · 3.875%
HK$42,749
−HK$1,311/mo
Today · 4.125%
HK$44,060
baseline
▲ 0.50% · 4.625%
HK$46,740
+HK$2,680/mo
Deposit HK$1.01M · loan HK$9.09M · min. income ≈ HK$88,120/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,123
−HK$2,492/mo
▼ 0.25% · 3.875%
HK$47,360
−HK$1,255/mo
Today · 4.125%
HK$48,615
baseline
▲ 0.50% · 4.625%
HK$51,178
+HK$2,563/mo
Deposit HK$1.01M · loan HK$9.09M · min. income ≈ HK$97,230/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,792 · Scale 2, in force from 26 Feb 2026)