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$23,040
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$23,757
−HK$728/mo
Today · 4.125%
HK$24,485
baseline
▲ 0.50% · 4.625%
HK$25,975
+HK$1,490/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$48,970/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$378,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,632
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$26,320
−HK$697/mo
Today · 4.125%
HK$27,017
baseline
▲ 0.50% · 4.625%
HK$28,441
+HK$1,424/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$54,034/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$378,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,648
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$28,508
−HK$874/mo
Today · 4.125%
HK$29,382
baseline
▲ 0.50% · 4.625%
HK$31,170
+HK$1,788/mo
Deposit HK$4.04M · loan HK$6.06M · min. income ≈ HK$58,764/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$378,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,759
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$31,583
−HK$837/mo
Today · 4.125%
HK$32,420
baseline
▲ 0.50% · 4.625%
HK$34,129
+HK$1,709/mo
Deposit HK$4.04M · loan HK$6.06M · min. income ≈ HK$64,840/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$378,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,256
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$33,260
−HK$1,019/mo
Today · 4.125%
HK$34,279
baseline
▲ 0.50% · 4.625%
HK$36,365
+HK$2,086/mo
Deposit HK$3.03M · loan HK$7.07M · min. income ≈ HK$68,558/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,885
−HK$1,939/mo
▼ 0.25% · 3.875%
HK$36,847
−HK$977/mo
Today · 4.125%
HK$37,824
baseline
▲ 0.50% · 4.625%
HK$39,817
+HK$1,993/mo
Deposit HK$3.03M · loan HK$7.07M · min. income ≈ HK$75,648/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,473
−HK$2,600/mo
▼ 0.25% · 3.875%
HK$42,763
−HK$1,310/mo
Today · 4.125%
HK$44,073
baseline
▲ 0.50% · 4.625%
HK$46,755
+HK$2,682/mo
Deposit HK$1.01M · loan HK$9.09M · min. income ≈ HK$88,146/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,138
−HK$2,492/mo
▼ 0.25% · 3.875%
HK$47,375
−HK$1,255/mo
Today · 4.125%
HK$48,630
baseline
▲ 0.50% · 4.625%
HK$51,194
+HK$2,564/mo
Deposit HK$1.01M · loan HK$9.09M · min. income ≈ HK$97,260/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,910 · Scale 2, in force from 26 Feb 2026)