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$23,048
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$23,765
−HK$728/mo
Today · 4.125%
HK$24,493
baseline
▲ 0.50% · 4.625%
HK$25,984
+HK$1,491/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$48,986/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$379,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,641
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$26,329
−HK$697/mo
Today · 4.125%
HK$27,026
baseline
▲ 0.50% · 4.625%
HK$28,451
+HK$1,425/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$54,052/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$379,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,658
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$28,518
−HK$874/mo
Today · 4.125%
HK$29,392
baseline
▲ 0.50% · 4.625%
HK$31,181
+HK$1,789/mo
Deposit HK$4.04M · loan HK$6.06M · min. income ≈ HK$58,784/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$379,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,769
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$31,594
−HK$837/mo
Today · 4.125%
HK$32,431
baseline
▲ 0.50% · 4.625%
HK$34,141
+HK$1,710/mo
Deposit HK$4.04M · loan HK$6.06M · min. income ≈ HK$64,862/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$379,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,267
−HK$2,024/mo
▼ 0.25% · 3.875%
HK$33,271
−HK$1,020/mo
Today · 4.125%
HK$34,291
baseline
▲ 0.50% · 4.625%
HK$36,377
+HK$2,086/mo
Deposit HK$3.03M · loan HK$7.08M · min. income ≈ HK$68,582/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$379,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,897
−HK$1,940/mo
▼ 0.25% · 3.875%
HK$36,860
−HK$977/mo
Today · 4.125%
HK$37,837
baseline
▲ 0.50% · 4.625%
HK$39,831
+HK$1,994/mo
Deposit HK$3.03M · loan HK$7.08M · min. income ≈ HK$75,674/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$379,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,487
−HK$2,601/mo
▼ 0.25% · 3.875%
HK$42,777
−HK$1,311/mo
Today · 4.125%
HK$44,088
baseline
▲ 0.50% · 4.625%
HK$46,771
+HK$2,683/mo
Deposit HK$1.01M · loan HK$9.10M · min. income ≈ HK$88,176/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,153
−HK$2,494/mo
▼ 0.25% · 3.875%
HK$47,391
−HK$1,256/mo
Today · 4.125%
HK$48,647
baseline
▲ 0.50% · 4.625%
HK$51,211
+HK$2,564/mo
Deposit HK$1.01M · loan HK$9.10M · min. income ≈ HK$97,294/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,039 · Scale 2, in force from 26 Feb 2026)