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$23,024
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$23,740
−HK$728/mo
Today · 4.125%
HK$24,468
baseline
▲ 0.50% · 4.625%
HK$25,957
+HK$1,489/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$48,936/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$378,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,614
−HK$1,384/mo
▼ 0.25% · 3.875%
HK$26,301
−HK$697/mo
Today · 4.125%
HK$26,998
baseline
▲ 0.50% · 4.625%
HK$28,421
+HK$1,423/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$53,996/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$378,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,629
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$28,488
−HK$873/mo
Today · 4.125%
HK$29,361
baseline
▲ 0.50% · 4.625%
HK$31,148
+HK$1,787/mo
Deposit HK$4.04M · loan HK$6.06M · min. income ≈ HK$58,722/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$378,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,737
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$31,561
−HK$836/mo
Today · 4.125%
HK$32,397
baseline
▲ 0.50% · 4.625%
HK$34,105
+HK$1,708/mo
Deposit HK$4.04M · loan HK$6.06M · min. income ≈ HK$64,794/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$378,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,234
−HK$2,021/mo
▼ 0.25% · 3.875%
HK$33,236
−HK$1,019/mo
Today · 4.125%
HK$34,255
baseline
▲ 0.50% · 4.625%
HK$36,339
+HK$2,084/mo
Deposit HK$3.03M · loan HK$7.07M · min. income ≈ HK$68,510/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,860
−HK$1,937/mo
▼ 0.25% · 3.875%
HK$36,821
−HK$976/mo
Today · 4.125%
HK$37,797
baseline
▲ 0.50% · 4.625%
HK$39,789
+HK$1,992/mo
Deposit HK$3.03M · loan HK$7.07M · min. income ≈ HK$75,594/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,443
−HK$2,599/mo
▼ 0.25% · 3.875%
HK$42,732
−HK$1,310/mo
Today · 4.125%
HK$44,042
baseline
▲ 0.50% · 4.625%
HK$46,722
+HK$2,680/mo
Deposit HK$1.01M · loan HK$9.09M · min. income ≈ HK$88,084/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,105
−HK$2,491/mo
▼ 0.25% · 3.875%
HK$47,342
−HK$1,254/mo
Today · 4.125%
HK$48,596
baseline
▲ 0.50% · 4.625%
HK$51,158
+HK$2,562/mo
Deposit HK$1.01M · loan HK$9.09M · min. income ≈ HK$97,192/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,643 · Scale 2, in force from 26 Feb 2026)