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$23,032
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$23,748
−HK$728/mo
Today · 4.125%
HK$24,476
baseline
▲ 0.50% · 4.625%
HK$25,965
+HK$1,489/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$48,952/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$378,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,623
−HK$1,384/mo
▼ 0.25% · 3.875%
HK$26,310
−HK$697/mo
Today · 4.125%
HK$27,007
baseline
▲ 0.50% · 4.625%
HK$28,431
+HK$1,424/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$54,014/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$378,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,638
−HK$1,733/mo
▼ 0.25% · 3.875%
HK$28,498
−HK$873/mo
Today · 4.125%
HK$29,371
baseline
▲ 0.50% · 4.625%
HK$31,159
+HK$1,788/mo
Deposit HK$4.04M · loan HK$6.06M · min. income ≈ HK$58,742/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$378,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,747
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$31,572
−HK$836/mo
Today · 4.125%
HK$32,408
baseline
▲ 0.50% · 4.625%
HK$34,117
+HK$1,709/mo
Deposit HK$4.04M · loan HK$6.06M · min. income ≈ HK$64,816/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$378,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,245
−HK$2,022/mo
▼ 0.25% · 3.875%
HK$33,248
−HK$1,019/mo
Today · 4.125%
HK$34,267
baseline
▲ 0.50% · 4.625%
HK$36,352
+HK$2,085/mo
Deposit HK$3.03M · loan HK$7.07M · min. income ≈ HK$68,534/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,872
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$36,834
−HK$976/mo
Today · 4.125%
HK$37,810
baseline
▲ 0.50% · 4.625%
HK$39,803
+HK$1,993/mo
Deposit HK$3.03M · loan HK$7.07M · min. income ≈ HK$75,620/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,457
−HK$2,600/mo
▼ 0.25% · 3.875%
HK$42,747
−HK$1,310/mo
Today · 4.125%
HK$44,057
baseline
▲ 0.50% · 4.625%
HK$46,738
+HK$2,681/mo
Deposit HK$1.01M · loan HK$9.09M · min. income ≈ HK$88,114/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,121
−HK$2,492/mo
▼ 0.25% · 3.875%
HK$47,358
−HK$1,255/mo
Today · 4.125%
HK$48,613
baseline
▲ 0.50% · 4.625%
HK$51,175
+HK$2,562/mo
Deposit HK$1.01M · loan HK$9.09M · min. income ≈ HK$97,226/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,771 · Scale 2, in force from 26 Feb 2026)