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$23,041
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$23,758
−HK$728/mo
Today · 4.125%
HK$24,486
baseline
▲ 0.50% · 4.625%
HK$25,976
+HK$1,490/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$48,972/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$378,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,633
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$26,321
−HK$697/mo
Today · 4.125%
HK$27,018
baseline
▲ 0.50% · 4.625%
HK$28,442
+HK$1,424/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$54,036/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$378,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,650
−HK$1,733/mo
▼ 0.25% · 3.875%
HK$28,510
−HK$873/mo
Today · 4.125%
HK$29,383
baseline
▲ 0.50% · 4.625%
HK$31,171
+HK$1,788/mo
Deposit HK$4.04M · loan HK$6.06M · min. income ≈ HK$58,766/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$378,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,760
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$31,585
−HK$837/mo
Today · 4.125%
HK$32,422
baseline
▲ 0.50% · 4.625%
HK$34,131
+HK$1,709/mo
Deposit HK$4.04M · loan HK$6.06M · min. income ≈ HK$64,844/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$378,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,258
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$33,261
−HK$1,020/mo
Today · 4.125%
HK$34,281
baseline
▲ 0.50% · 4.625%
HK$36,367
+HK$2,086/mo
Deposit HK$3.03M · loan HK$7.07M · min. income ≈ HK$68,562/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,887
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$36,849
−HK$976/mo
Today · 4.125%
HK$37,825
baseline
▲ 0.50% · 4.625%
HK$39,819
+HK$1,994/mo
Deposit HK$3.03M · loan HK$7.07M · min. income ≈ HK$75,650/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,474
−HK$2,601/mo
▼ 0.25% · 3.875%
HK$42,764
−HK$1,311/mo
Today · 4.125%
HK$44,075
baseline
▲ 0.50% · 4.625%
HK$46,757
+HK$2,682/mo
Deposit HK$1.01M · loan HK$9.09M · min. income ≈ HK$88,150/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,140
−HK$2,493/mo
▼ 0.25% · 3.875%
HK$47,377
−HK$1,256/mo
Today · 4.125%
HK$48,633
baseline
▲ 0.50% · 4.625%
HK$51,196
+HK$2,563/mo
Deposit HK$1.01M · loan HK$9.09M · min. income ≈ HK$97,266/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,927 · Scale 2, in force from 26 Feb 2026)