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$23,010
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$23,726
−HK$727/mo
Today · 4.125%
HK$24,453
baseline
▲ 0.50% · 4.625%
HK$25,941
+HK$1,488/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$48,906/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$378,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,599
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$26,285
−HK$697/mo
Today · 4.125%
HK$26,982
baseline
▲ 0.50% · 4.625%
HK$28,404
+HK$1,422/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$53,964/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$378,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,612
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$28,471
−HK$873/mo
Today · 4.125%
HK$29,344
baseline
▲ 0.50% · 4.625%
HK$31,129
+HK$1,785/mo
Deposit HK$4.04M · loan HK$6.05M · min. income ≈ HK$58,688/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$378,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,719
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$31,542
−HK$836/mo
Today · 4.125%
HK$32,378
baseline
▲ 0.50% · 4.625%
HK$34,085
+HK$1,707/mo
Deposit HK$4.04M · loan HK$6.05M · min. income ≈ HK$64,756/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$378,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,215
−HK$2,020/mo
▼ 0.25% · 3.875%
HK$33,217
−HK$1,018/mo
Today · 4.125%
HK$34,235
baseline
▲ 0.50% · 4.625%
HK$36,318
+HK$2,083/mo
Deposit HK$3.03M · loan HK$7.06M · min. income ≈ HK$68,470/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,838
−HK$1,937/mo
▼ 0.25% · 3.875%
HK$36,799
−HK$976/mo
Today · 4.125%
HK$37,775
baseline
▲ 0.50% · 4.625%
HK$39,766
+HK$1,991/mo
Deposit HK$3.03M · loan HK$7.06M · min. income ≈ HK$75,550/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,419
−HK$2,597/mo
▼ 0.25% · 3.875%
HK$42,707
−HK$1,309/mo
Today · 4.125%
HK$44,016
baseline
▲ 0.50% · 4.625%
HK$46,694
+HK$2,678/mo
Deposit HK$1.01M · loan HK$9.08M · min. income ≈ HK$88,032/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,078
−HK$2,489/mo
▼ 0.25% · 3.875%
HK$47,314
−HK$1,253/mo
Today · 4.125%
HK$48,567
baseline
▲ 0.50% · 4.625%
HK$51,127
+HK$2,560/mo
Deposit HK$1.01M · loan HK$9.08M · min. income ≈ HK$97,134/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,418 · Scale 2, in force from 26 Feb 2026)