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$25,983
+HK$1,490/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$379,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,640
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$26,328
−HK$698/mo
Today · 4.125%
HK$27,026
baseline
▲ 0.50% · 4.625%
HK$28,450
+HK$1,424/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$379,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,657
−HK$1,735/mo
▼ 0.25% · 3.875%
HK$28,517
−HK$875/mo
Today · 4.125%
HK$29,392
baseline
▲ 0.50% · 4.625%
HK$31,180
+HK$1,788/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$379,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,768
−HK$1,663/mo
▼ 0.25% · 3.875%
HK$31,594
−HK$837/mo
Today · 4.125%
HK$32,431
baseline
▲ 0.50% · 4.625%
HK$34,140
+HK$1,709/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$379,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,267
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$33,270
−HK$1,020/mo
Today · 4.125%
HK$34,290
baseline
▲ 0.50% · 4.625%
HK$36,377
+HK$2,087/mo
Deposit HK$3.03M · loan HK$7.08M · min. income ≈ HK$68,580/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$379,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,896
−HK$1,940/mo
▼ 0.25% · 3.875%
HK$36,859
−HK$977/mo
Today · 4.125%
HK$37,836
baseline
▲ 0.50% · 4.625%
HK$39,830
+HK$1,994/mo
Deposit HK$3.03M · loan HK$7.08M · min. income ≈ HK$75,672/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$379,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,486
−HK$2,601/mo
▼ 0.25% · 3.875%
HK$42,776
−HK$1,311/mo
Today · 4.125%
HK$44,087
baseline
▲ 0.50% · 4.625%
HK$46,770
+HK$2,683/mo
Deposit HK$1.01M · loan HK$9.10M · min. income ≈ HK$88,174/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,153
−HK$2,493/mo
▼ 0.25% · 3.875%
HK$47,390
−HK$1,256/mo
Today · 4.125%
HK$48,646
baseline
▲ 0.50% · 4.625%
HK$51,210
+HK$2,564/mo
Deposit HK$1.01M · loan HK$9.10M · min. income ≈ HK$97,292/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,031 · Scale 2, in force from 26 Feb 2026)