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$23,049
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$23,766
−HK$729/mo
Today · 4.125%
HK$24,495
baseline
▲ 0.50% · 4.625%
HK$25,985
+HK$1,490/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$48,990/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$379,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,642
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$26,330
−HK$698/mo
Today · 4.125%
HK$27,028
baseline
▲ 0.50% · 4.625%
HK$28,452
+HK$1,424/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$54,056/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$379,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,659
−HK$1,735/mo
▼ 0.25% · 3.875%
HK$28,520
−HK$874/mo
Today · 4.125%
HK$29,394
baseline
▲ 0.50% · 4.625%
HK$31,182
+HK$1,788/mo
Deposit HK$4.04M · loan HK$6.06M · min. income ≈ HK$58,788/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$379,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,771
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$31,596
−HK$837/mo
Today · 4.125%
HK$32,433
baseline
▲ 0.50% · 4.625%
HK$34,143
+HK$1,710/mo
Deposit HK$4.04M · loan HK$6.06M · min. income ≈ HK$64,866/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$379,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,269
−HK$2,024/mo
▼ 0.25% · 3.875%
HK$33,273
−HK$1,020/mo
Today · 4.125%
HK$34,293
baseline
▲ 0.50% · 4.625%
HK$36,379
+HK$2,086/mo
Deposit HK$3.03M · loan HK$7.08M · min. income ≈ HK$68,586/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$379,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,899
−HK$1,940/mo
▼ 0.25% · 3.875%
HK$36,862
−HK$977/mo
Today · 4.125%
HK$37,839
baseline
▲ 0.50% · 4.625%
HK$39,833
+HK$1,994/mo
Deposit HK$3.03M · loan HK$7.08M · min. income ≈ HK$75,678/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$379,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,489
−HK$2,602/mo
▼ 0.25% · 3.875%
HK$42,779
−HK$1,312/mo
Today · 4.125%
HK$44,091
baseline
▲ 0.50% · 4.625%
HK$46,773
+HK$2,682/mo
Deposit HK$1.01M · loan HK$9.10M · min. income ≈ HK$88,182/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,156
−HK$2,494/mo
▼ 0.25% · 3.875%
HK$47,394
−HK$1,256/mo
Today · 4.125%
HK$48,650
baseline
▲ 0.50% · 4.625%
HK$51,214
+HK$2,564/mo
Deposit HK$1.01M · loan HK$9.10M · min. income ≈ HK$97,300/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,060 · Scale 2, in force from 26 Feb 2026)