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$23,046
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$23,763
−HK$728/mo
Today · 4.125%
HK$24,491
baseline
▲ 0.50% · 4.625%
HK$25,981
+HK$1,490/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$48,982/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$379,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,638
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$26,326
−HK$697/mo
Today · 4.125%
HK$27,023
baseline
▲ 0.50% · 4.625%
HK$28,448
+HK$1,425/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$54,046/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$379,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,655
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$28,515
−HK$874/mo
Today · 4.125%
HK$29,389
baseline
▲ 0.50% · 4.625%
HK$31,178
+HK$1,789/mo
Deposit HK$4.04M · loan HK$6.06M · min. income ≈ HK$58,778/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$379,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,766
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$31,591
−HK$837/mo
Today · 4.125%
HK$32,428
baseline
▲ 0.50% · 4.625%
HK$34,137
+HK$1,709/mo
Deposit HK$4.04M · loan HK$6.06M · min. income ≈ HK$64,856/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$379,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,264
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$33,268
−HK$1,019/mo
Today · 4.125%
HK$34,287
baseline
▲ 0.50% · 4.625%
HK$36,374
+HK$2,087/mo
Deposit HK$3.03M · loan HK$7.07M · min. income ≈ HK$68,574/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$379,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,894
−HK$1,939/mo
▼ 0.25% · 3.875%
HK$36,856
−HK$977/mo
Today · 4.125%
HK$37,833
baseline
▲ 0.50% · 4.625%
HK$39,827
+HK$1,994/mo
Deposit HK$3.03M · loan HK$7.07M · min. income ≈ HK$75,666/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$379,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,483
−HK$2,601/mo
▼ 0.25% · 3.875%
HK$42,773
−HK$1,311/mo
Today · 4.125%
HK$44,084
baseline
▲ 0.50% · 4.625%
HK$46,766
+HK$2,682/mo
Deposit HK$1.01M · loan HK$9.10M · min. income ≈ HK$88,168/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,149
−HK$2,493/mo
▼ 0.25% · 3.875%
HK$47,387
−HK$1,255/mo
Today · 4.125%
HK$48,642
baseline
▲ 0.50% · 4.625%
HK$51,206
+HK$2,564/mo
Deposit HK$1.01M · loan HK$9.10M · min. income ≈ HK$97,284/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,002 · Scale 2, in force from 26 Feb 2026)