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$23,036
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$23,753
−HK$728/mo
Today · 4.125%
HK$24,481
baseline
▲ 0.50% · 4.625%
HK$25,970
+HK$1,489/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$48,962/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$378,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,627
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$26,315
−HK$697/mo
Today · 4.125%
HK$27,012
baseline
▲ 0.50% · 4.625%
HK$28,436
+HK$1,424/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$54,024/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$378,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,643
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$28,503
−HK$874/mo
Today · 4.125%
HK$29,377
baseline
▲ 0.50% · 4.625%
HK$31,164
+HK$1,787/mo
Deposit HK$4.04M · loan HK$6.06M · min. income ≈ HK$58,754/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$378,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,753
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$31,578
−HK$836/mo
Today · 4.125%
HK$32,414
baseline
▲ 0.50% · 4.625%
HK$34,123
+HK$1,709/mo
Deposit HK$4.04M · loan HK$6.06M · min. income ≈ HK$64,828/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$378,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,250
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$33,254
−HK$1,019/mo
Today · 4.125%
HK$34,273
baseline
▲ 0.50% · 4.625%
HK$36,358
+HK$2,085/mo
Deposit HK$3.03M · loan HK$7.07M · min. income ≈ HK$68,546/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,878
−HK$1,939/mo
▼ 0.25% · 3.875%
HK$36,840
−HK$977/mo
Today · 4.125%
HK$37,817
baseline
▲ 0.50% · 4.625%
HK$39,810
+HK$1,993/mo
Deposit HK$3.03M · loan HK$7.07M · min. income ≈ HK$75,634/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,465
−HK$2,600/mo
▼ 0.25% · 3.875%
HK$42,755
−HK$1,310/mo
Today · 4.125%
HK$44,065
baseline
▲ 0.50% · 4.625%
HK$46,746
+HK$2,681/mo
Deposit HK$1.01M · loan HK$9.09M · min. income ≈ HK$88,130/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,129
−HK$2,492/mo
▼ 0.25% · 3.875%
HK$47,366
−HK$1,255/mo
Today · 4.125%
HK$48,621
baseline
▲ 0.50% · 4.625%
HK$51,184
+HK$2,563/mo
Deposit HK$1.01M · loan HK$9.09M · min. income ≈ HK$97,242/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,839 · Scale 2, in force from 26 Feb 2026)