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$23,051
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$23,768
−HK$729/mo
Today · 4.125%
HK$24,497
baseline
▲ 0.50% · 4.625%
HK$25,987
+HK$1,490/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$48,994/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$379,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,644
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$26,332
−HK$698/mo
Today · 4.125%
HK$27,030
baseline
▲ 0.50% · 4.625%
HK$28,454
+HK$1,424/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$54,060/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$379,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,661
−HK$1,735/mo
▼ 0.25% · 3.875%
HK$28,522
−HK$874/mo
Today · 4.125%
HK$29,396
baseline
▲ 0.50% · 4.625%
HK$31,185
+HK$1,789/mo
Deposit HK$4.04M · loan HK$6.07M · min. income ≈ HK$58,792/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$379,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,773
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$31,598
−HK$837/mo
Today · 4.125%
HK$32,435
baseline
▲ 0.50% · 4.625%
HK$34,145
+HK$1,710/mo
Deposit HK$4.04M · loan HK$6.07M · min. income ≈ HK$64,870/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$379,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,271
−HK$2,024/mo
▼ 0.25% · 3.875%
HK$33,275
−HK$1,020/mo
Today · 4.125%
HK$34,295
baseline
▲ 0.50% · 4.625%
HK$36,382
+HK$2,087/mo
Deposit HK$3.03M · loan HK$7.08M · min. income ≈ HK$68,590/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$379,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,902
−HK$1,939/mo
▼ 0.25% · 3.875%
HK$36,865
−HK$976/mo
Today · 4.125%
HK$37,841
baseline
▲ 0.50% · 4.625%
HK$39,836
+HK$1,995/mo
Deposit HK$3.03M · loan HK$7.08M · min. income ≈ HK$75,682/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$379,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,492
−HK$2,602/mo
▼ 0.25% · 3.875%
HK$42,783
−HK$1,311/mo
Today · 4.125%
HK$44,094
baseline
▲ 0.50% · 4.625%
HK$46,777
+HK$2,683/mo
Deposit HK$1.01M · loan HK$9.10M · min. income ≈ HK$88,188/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,159
−HK$2,494/mo
▼ 0.25% · 3.875%
HK$47,397
−HK$1,256/mo
Today · 4.125%
HK$48,653
baseline
▲ 0.50% · 4.625%
HK$51,218
+HK$2,565/mo
Deposit HK$1.01M · loan HK$9.10M · min. income ≈ HK$97,306/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,087 · Scale 2, in force from 26 Feb 2026)