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$23,029
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$23,745
−HK$728/mo
Today · 4.125%
HK$24,473
baseline
▲ 0.50% · 4.625%
HK$25,962
+HK$1,489/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$48,946/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$378,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,619
−HK$1,384/mo
▼ 0.25% · 3.875%
HK$26,306
−HK$697/mo
Today · 4.125%
HK$27,003
baseline
▲ 0.50% · 4.625%
HK$28,427
+HK$1,424/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$54,006/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$378,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,634
−HK$1,733/mo
▼ 0.25% · 3.875%
HK$28,494
−HK$873/mo
Today · 4.125%
HK$29,367
baseline
▲ 0.50% · 4.625%
HK$31,154
+HK$1,787/mo
Deposit HK$4.04M · loan HK$6.06M · min. income ≈ HK$58,734/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$378,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,743
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$31,568
−HK$836/mo
Today · 4.125%
HK$32,404
baseline
▲ 0.50% · 4.625%
HK$34,112
+HK$1,708/mo
Deposit HK$4.04M · loan HK$6.06M · min. income ≈ HK$64,808/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$378,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,240
−HK$2,022/mo
▼ 0.25% · 3.875%
HK$33,243
−HK$1,019/mo
Today · 4.125%
HK$34,262
baseline
▲ 0.50% · 4.625%
HK$36,347
+HK$2,085/mo
Deposit HK$3.03M · loan HK$7.07M · min. income ≈ HK$68,524/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,867
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$36,829
−HK$976/mo
Today · 4.125%
HK$37,805
baseline
▲ 0.50% · 4.625%
HK$39,797
+HK$1,992/mo
Deposit HK$3.03M · loan HK$7.07M · min. income ≈ HK$75,610/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,452
−HK$2,599/mo
▼ 0.25% · 3.875%
HK$42,741
−HK$1,310/mo
Today · 4.125%
HK$44,051
baseline
▲ 0.50% · 4.625%
HK$46,731
+HK$2,680/mo
Deposit HK$1.01M · loan HK$9.09M · min. income ≈ HK$88,102/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,115
−HK$2,491/mo
▼ 0.25% · 3.875%
HK$47,351
−HK$1,255/mo
Today · 4.125%
HK$48,606
baseline
▲ 0.50% · 4.625%
HK$51,168
+HK$2,562/mo
Deposit HK$1.01M · loan HK$9.09M · min. income ≈ HK$97,212/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,719 · Scale 2, in force from 26 Feb 2026)