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$23,018
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$23,734
−HK$727/mo
Today · 4.125%
HK$24,461
baseline
▲ 0.50% · 4.625%
HK$25,950
+HK$1,489/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$48,922/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$378,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,607
−HK$1,384/mo
▼ 0.25% · 3.875%
HK$26,294
−HK$697/mo
Today · 4.125%
HK$26,991
baseline
▲ 0.50% · 4.625%
HK$28,413
+HK$1,422/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$53,982/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$378,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,621
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$28,481
−HK$872/mo
Today · 4.125%
HK$29,353
baseline
▲ 0.50% · 4.625%
HK$31,140
+HK$1,787/mo
Deposit HK$4.04M · loan HK$6.06M · min. income ≈ HK$58,706/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$378,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,729
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$31,553
−HK$836/mo
Today · 4.125%
HK$32,389
baseline
▲ 0.50% · 4.625%
HK$34,096
+HK$1,707/mo
Deposit HK$4.04M · loan HK$6.06M · min. income ≈ HK$64,778/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$378,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,225
−HK$2,021/mo
▼ 0.25% · 3.875%
HK$33,227
−HK$1,019/mo
Today · 4.125%
HK$34,246
baseline
▲ 0.50% · 4.625%
HK$36,330
+HK$2,084/mo
Deposit HK$3.03M · loan HK$7.07M · min. income ≈ HK$68,492/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,850
−HK$1,937/mo
▼ 0.25% · 3.875%
HK$36,811
−HK$976/mo
Today · 4.125%
HK$37,787
baseline
▲ 0.50% · 4.625%
HK$39,779
+HK$1,992/mo
Deposit HK$3.03M · loan HK$7.07M · min. income ≈ HK$75,574/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,432
−HK$2,598/mo
▼ 0.25% · 3.875%
HK$42,721
−HK$1,309/mo
Today · 4.125%
HK$44,030
baseline
▲ 0.50% · 4.625%
HK$46,709
+HK$2,679/mo
Deposit HK$1.01M · loan HK$9.08M · min. income ≈ HK$88,060/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,093
−HK$2,490/mo
▼ 0.25% · 3.875%
HK$47,329
−HK$1,254/mo
Today · 4.125%
HK$48,583
baseline
▲ 0.50% · 4.625%
HK$51,144
+HK$2,561/mo
Deposit HK$1.01M · loan HK$9.08M · min. income ≈ HK$97,166/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,540 · Scale 2, in force from 26 Feb 2026)