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$23,052
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$23,769
−HK$729/mo
Today · 4.125%
HK$24,498
baseline
▲ 0.50% · 4.625%
HK$25,989
+HK$1,491/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$48,996/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$379,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,646
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$26,333
−HK$698/mo
Today · 4.125%
HK$27,031
baseline
▲ 0.50% · 4.625%
HK$28,456
+HK$1,425/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$54,062/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$379,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,663
−HK$1,735/mo
▼ 0.25% · 3.875%
HK$28,523
−HK$875/mo
Today · 4.125%
HK$29,398
baseline
▲ 0.50% · 4.625%
HK$31,186
+HK$1,788/mo
Deposit HK$4.04M · loan HK$6.07M · min. income ≈ HK$58,796/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$379,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,775
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$31,600
−HK$837/mo
Today · 4.125%
HK$32,437
baseline
▲ 0.50% · 4.625%
HK$34,147
+HK$1,710/mo
Deposit HK$4.04M · loan HK$6.07M · min. income ≈ HK$64,874/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$379,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,273
−HK$2,024/mo
▼ 0.25% · 3.875%
HK$33,277
−HK$1,020/mo
Today · 4.125%
HK$34,297
baseline
▲ 0.50% · 4.625%
HK$36,384
+HK$2,087/mo
Deposit HK$3.03M · loan HK$7.08M · min. income ≈ HK$68,594/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$379,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,904
−HK$1,940/mo
▼ 0.25% · 3.875%
HK$36,867
−HK$977/mo
Today · 4.125%
HK$37,844
baseline
▲ 0.50% · 4.625%
HK$39,838
+HK$1,994/mo
Deposit HK$3.03M · loan HK$7.08M · min. income ≈ HK$75,688/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$379,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,494
−HK$2,602/mo
▼ 0.25% · 3.875%
HK$42,785
−HK$1,311/mo
Today · 4.125%
HK$44,096
baseline
▲ 0.50% · 4.625%
HK$46,780
+HK$2,684/mo
Deposit HK$1.01M · loan HK$9.10M · min. income ≈ HK$88,192/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,162
−HK$2,494/mo
▼ 0.25% · 3.875%
HK$47,400
−HK$1,256/mo
Today · 4.125%
HK$48,656
baseline
▲ 0.50% · 4.625%
HK$51,221
+HK$2,565/mo
Deposit HK$1.01M · loan HK$9.10M · min. income ≈ HK$97,312/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,109 · Scale 2, in force from 26 Feb 2026)