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$23,037
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$23,754
−HK$728/mo
Today · 4.125%
HK$24,482
baseline
▲ 0.50% · 4.625%
HK$25,972
+HK$1,490/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$48,964/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$378,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,629
−HK$1,384/mo
▼ 0.25% · 3.875%
HK$26,316
−HK$697/mo
Today · 4.125%
HK$27,013
baseline
▲ 0.50% · 4.625%
HK$28,437
+HK$1,424/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$54,026/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$378,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,645
−HK$1,733/mo
▼ 0.25% · 3.875%
HK$28,505
−HK$873/mo
Today · 4.125%
HK$29,378
baseline
▲ 0.50% · 4.625%
HK$31,166
+HK$1,788/mo
Deposit HK$4.04M · loan HK$6.06M · min. income ≈ HK$58,756/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$378,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,755
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$31,579
−HK$837/mo
Today · 4.125%
HK$32,416
baseline
▲ 0.50% · 4.625%
HK$34,125
+HK$1,709/mo
Deposit HK$4.04M · loan HK$6.06M · min. income ≈ HK$64,832/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$378,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,252
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$33,255
−HK$1,020/mo
Today · 4.125%
HK$34,275
baseline
▲ 0.50% · 4.625%
HK$36,360
+HK$2,085/mo
Deposit HK$3.03M · loan HK$7.07M · min. income ≈ HK$68,550/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,880
−HK$1,939/mo
▼ 0.25% · 3.875%
HK$36,843
−HK$976/mo
Today · 4.125%
HK$37,819
baseline
▲ 0.50% · 4.625%
HK$39,812
+HK$1,993/mo
Deposit HK$3.03M · loan HK$7.07M · min. income ≈ HK$75,638/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,467
−HK$2,601/mo
▼ 0.25% · 3.875%
HK$42,757
−HK$1,311/mo
Today · 4.125%
HK$44,068
baseline
▲ 0.50% · 4.625%
HK$46,749
+HK$2,681/mo
Deposit HK$1.01M · loan HK$9.09M · min. income ≈ HK$88,136/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,132
−HK$2,492/mo
▼ 0.25% · 3.875%
HK$47,369
−HK$1,255/mo
Today · 4.125%
HK$48,624
baseline
▲ 0.50% · 4.625%
HK$51,187
+HK$2,563/mo
Deposit HK$1.01M · loan HK$9.09M · min. income ≈ HK$97,248/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,861 · Scale 2, in force from 26 Feb 2026)