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$23,014
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$23,730
−HK$727/mo
Today · 4.125%
HK$24,457
baseline
▲ 0.50% · 4.625%
HK$25,946
+HK$1,489/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$48,914/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$378,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,603
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$26,290
−HK$696/mo
Today · 4.125%
HK$26,986
baseline
▲ 0.50% · 4.625%
HK$28,409
+HK$1,423/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$53,972/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$378,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,617
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$28,476
−HK$873/mo
Today · 4.125%
HK$29,349
baseline
▲ 0.50% · 4.625%
HK$31,135
+HK$1,786/mo
Deposit HK$4.04M · loan HK$6.06M · min. income ≈ HK$58,698/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$378,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,724
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$31,548
−HK$836/mo
Today · 4.125%
HK$32,384
baseline
▲ 0.50% · 4.625%
HK$34,091
+HK$1,707/mo
Deposit HK$4.04M · loan HK$6.06M · min. income ≈ HK$64,768/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$378,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,220
−HK$2,020/mo
▼ 0.25% · 3.875%
HK$33,222
−HK$1,018/mo
Today · 4.125%
HK$34,240
baseline
▲ 0.50% · 4.625%
HK$36,324
+HK$2,084/mo
Deposit HK$3.03M · loan HK$7.06M · min. income ≈ HK$68,480/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,844
−HK$1,937/mo
▼ 0.25% · 3.875%
HK$36,806
−HK$975/mo
Today · 4.125%
HK$37,781
baseline
▲ 0.50% · 4.625%
HK$39,772
+HK$1,991/mo
Deposit HK$3.03M · loan HK$7.06M · min. income ≈ HK$75,562/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,426
−HK$2,597/mo
▼ 0.25% · 3.875%
HK$42,714
−HK$1,309/mo
Today · 4.125%
HK$44,023
baseline
▲ 0.50% · 4.625%
HK$46,702
+HK$2,679/mo
Deposit HK$1.01M · loan HK$9.08M · min. income ≈ HK$88,046/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,086
−HK$2,489/mo
▼ 0.25% · 3.875%
HK$47,322
−HK$1,253/mo
Today · 4.125%
HK$48,575
baseline
▲ 0.50% · 4.625%
HK$51,136
+HK$2,561/mo
Deposit HK$1.01M · loan HK$9.08M · min. income ≈ HK$97,150/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,482 · Scale 2, in force from 26 Feb 2026)