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$23,094
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$23,813
−HK$730/mo
Today · 4.125%
HK$24,543
baseline
▲ 0.50% · 4.625%
HK$26,036
+HK$1,493/mo
Deposit HK$5.06M · loan HK$5.06M · min. income ≈ HK$49,086/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$379,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,692
−HK$1,388/mo
▼ 0.25% · 3.875%
HK$26,381
−HK$699/mo
Today · 4.125%
HK$27,080
baseline
▲ 0.50% · 4.625%
HK$28,508
+HK$1,428/mo
Deposit HK$5.06M · loan HK$5.06M · min. income ≈ HK$54,160/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$379,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,713
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$28,575
−HK$876/mo
Today · 4.125%
HK$29,451
baseline
▲ 0.50% · 4.625%
HK$31,243
+HK$1,792/mo
Deposit HK$4.05M · loan HK$6.08M · min. income ≈ HK$58,902/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$379,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,831
−HK$1,665/mo
▼ 0.25% · 3.875%
HK$31,658
−HK$838/mo
Today · 4.125%
HK$32,496
baseline
▲ 0.50% · 4.625%
HK$34,209
+HK$1,713/mo
Deposit HK$4.05M · loan HK$6.08M · min. income ≈ HK$64,992/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$379,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,332
−HK$2,028/mo
▼ 0.25% · 3.875%
HK$33,338
−HK$1,022/mo
Today · 4.125%
HK$34,360
baseline
▲ 0.50% · 4.625%
HK$36,450
+HK$2,090/mo
Deposit HK$3.04M · loan HK$7.09M · min. income ≈ HK$68,720/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$379,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,969
−HK$1,943/mo
▼ 0.25% · 3.875%
HK$36,934
−HK$978/mo
Today · 4.125%
HK$37,912
baseline
▲ 0.50% · 4.625%
HK$39,911
+HK$1,999/mo
Deposit HK$3.04M · loan HK$7.09M · min. income ≈ HK$75,824/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$379,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,570
−HK$2,607/mo
▼ 0.25% · 3.875%
HK$42,863
−HK$1,314/mo
Today · 4.125%
HK$44,177
baseline
▲ 0.50% · 4.625%
HK$46,865
+HK$2,688/mo
Deposit HK$1.01M · loan HK$9.12M · min. income ≈ HK$88,354/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,246
−HK$2,499/mo
▼ 0.25% · 3.875%
HK$47,486
−HK$1,259/mo
Today · 4.125%
HK$48,745
baseline
▲ 0.50% · 4.625%
HK$51,314
+HK$2,569/mo
Deposit HK$1.01M · loan HK$9.12M · min. income ≈ HK$97,490/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,800 · Scale 2, in force from 26 Feb 2026)