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$23,026
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$23,742
−HK$727/mo
Today · 4.125%
HK$24,469
baseline
▲ 0.50% · 4.625%
HK$25,958
+HK$1,489/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$48,938/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$378,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,616
−HK$1,384/mo
▼ 0.25% · 3.875%
HK$26,303
−HK$697/mo
Today · 4.125%
HK$27,000
baseline
▲ 0.50% · 4.625%
HK$28,423
+HK$1,423/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$54,000/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$378,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,631
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$28,490
−HK$873/mo
Today · 4.125%
HK$29,363
baseline
▲ 0.50% · 4.625%
HK$31,150
+HK$1,787/mo
Deposit HK$4.04M · loan HK$6.06M · min. income ≈ HK$58,726/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$378,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,739
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$31,563
−HK$837/mo
Today · 4.125%
HK$32,400
baseline
▲ 0.50% · 4.625%
HK$34,107
+HK$1,707/mo
Deposit HK$4.04M · loan HK$6.06M · min. income ≈ HK$64,800/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$378,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,236
−HK$2,021/mo
▼ 0.25% · 3.875%
HK$33,239
−HK$1,018/mo
Today · 4.125%
HK$34,257
baseline
▲ 0.50% · 4.625%
HK$36,342
+HK$2,085/mo
Deposit HK$3.03M · loan HK$7.07M · min. income ≈ HK$68,514/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,862
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$36,824
−HK$976/mo
Today · 4.125%
HK$37,800
baseline
▲ 0.50% · 4.625%
HK$39,792
+HK$1,992/mo
Deposit HK$3.03M · loan HK$7.07M · min. income ≈ HK$75,600/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,446
−HK$2,599/mo
▼ 0.25% · 3.875%
HK$42,735
−HK$1,310/mo
Today · 4.125%
HK$44,045
baseline
▲ 0.50% · 4.625%
HK$46,725
+HK$2,680/mo
Deposit HK$1.01M · loan HK$9.09M · min. income ≈ HK$88,090/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,108
−HK$2,491/mo
▼ 0.25% · 3.875%
HK$47,345
−HK$1,254/mo
Today · 4.125%
HK$48,599
baseline
▲ 0.50% · 4.625%
HK$51,161
+HK$2,562/mo
Deposit HK$1.01M · loan HK$9.09M · min. income ≈ HK$97,198/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,668 · Scale 2, in force from 26 Feb 2026)