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$23,049
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$23,766
−HK$728/mo
Today · 4.125%
HK$24,494
baseline
▲ 0.50% · 4.625%
HK$25,985
+HK$1,491/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$48,988/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$379,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,642
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$26,329
−HK$698/mo
Today · 4.125%
HK$27,027
baseline
▲ 0.50% · 4.625%
HK$28,452
+HK$1,425/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$54,054/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$379,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,659
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$28,519
−HK$874/mo
Today · 4.125%
HK$29,393
baseline
▲ 0.50% · 4.625%
HK$31,182
+HK$1,789/mo
Deposit HK$4.04M · loan HK$6.06M · min. income ≈ HK$58,786/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$379,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,770
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$31,595
−HK$837/mo
Today · 4.125%
HK$32,432
baseline
▲ 0.50% · 4.625%
HK$34,142
+HK$1,710/mo
Deposit HK$4.04M · loan HK$6.06M · min. income ≈ HK$64,864/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$379,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,268
−HK$2,024/mo
▼ 0.25% · 3.875%
HK$33,272
−HK$1,020/mo
Today · 4.125%
HK$34,292
baseline
▲ 0.50% · 4.625%
HK$36,378
+HK$2,086/mo
Deposit HK$3.03M · loan HK$7.08M · min. income ≈ HK$68,584/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$379,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,898
−HK$1,940/mo
▼ 0.25% · 3.875%
HK$36,861
−HK$977/mo
Today · 4.125%
HK$37,838
baseline
▲ 0.50% · 4.625%
HK$39,832
+HK$1,994/mo
Deposit HK$3.03M · loan HK$7.08M · min. income ≈ HK$75,676/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$379,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,488
−HK$2,602/mo
▼ 0.25% · 3.875%
HK$42,778
−HK$1,312/mo
Today · 4.125%
HK$44,090
baseline
▲ 0.50% · 4.625%
HK$46,772
+HK$2,682/mo
Deposit HK$1.01M · loan HK$9.10M · min. income ≈ HK$88,180/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,155
−HK$2,494/mo
▼ 0.25% · 3.875%
HK$47,393
−HK$1,256/mo
Today · 4.125%
HK$48,649
baseline
▲ 0.50% · 4.625%
HK$51,213
+HK$2,564/mo
Deposit HK$1.01M · loan HK$9.10M · min. income ≈ HK$97,298/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,051 · Scale 2, in force from 26 Feb 2026)