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$23,050
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$23,767
−HK$728/mo
Today · 4.125%
HK$24,495
baseline
▲ 0.50% · 4.625%
HK$25,986
+HK$1,491/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$48,990/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$379,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,643
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$26,330
−HK$698/mo
Today · 4.125%
HK$27,028
baseline
▲ 0.50% · 4.625%
HK$28,453
+HK$1,425/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$54,056/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$379,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,660
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$28,520
−HK$874/mo
Today · 4.125%
HK$29,394
baseline
▲ 0.50% · 4.625%
HK$31,183
+HK$1,789/mo
Deposit HK$4.04M · loan HK$6.07M · min. income ≈ HK$58,788/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$379,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,771
−HK$1,663/mo
▼ 0.25% · 3.875%
HK$31,596
−HK$838/mo
Today · 4.125%
HK$32,434
baseline
▲ 0.50% · 4.625%
HK$34,143
+HK$1,709/mo
Deposit HK$4.04M · loan HK$6.07M · min. income ≈ HK$64,868/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$379,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,270
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$33,273
−HK$1,020/mo
Today · 4.125%
HK$34,293
baseline
▲ 0.50% · 4.625%
HK$36,380
+HK$2,087/mo
Deposit HK$3.03M · loan HK$7.08M · min. income ≈ HK$68,586/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$379,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,900
−HK$1,939/mo
▼ 0.25% · 3.875%
HK$36,862
−HK$977/mo
Today · 4.125%
HK$37,839
baseline
▲ 0.50% · 4.625%
HK$39,834
+HK$1,995/mo
Deposit HK$3.03M · loan HK$7.08M · min. income ≈ HK$75,678/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$379,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,490
−HK$2,601/mo
▼ 0.25% · 3.875%
HK$42,780
−HK$1,311/mo
Today · 4.125%
HK$44,091
baseline
▲ 0.50% · 4.625%
HK$46,774
+HK$2,683/mo
Deposit HK$1.01M · loan HK$9.10M · min. income ≈ HK$88,182/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,157
−HK$2,493/mo
▼ 0.25% · 3.875%
HK$47,395
−HK$1,255/mo
Today · 4.125%
HK$48,650
baseline
▲ 0.50% · 4.625%
HK$51,215
+HK$2,565/mo
Deposit HK$1.01M · loan HK$9.10M · min. income ≈ HK$97,300/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,066 · Scale 2, in force from 26 Feb 2026)