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$23,036
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$23,752
−HK$728/mo
Today · 4.125%
HK$24,480
baseline
▲ 0.50% · 4.625%
HK$25,970
+HK$1,490/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$48,960/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$378,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,627
−HK$1,384/mo
▼ 0.25% · 3.875%
HK$26,314
−HK$697/mo
Today · 4.125%
HK$27,011
baseline
▲ 0.50% · 4.625%
HK$28,435
+HK$1,424/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$54,022/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$378,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,643
−HK$1,733/mo
▼ 0.25% · 3.875%
HK$28,503
−HK$873/mo
Today · 4.125%
HK$29,376
baseline
▲ 0.50% · 4.625%
HK$31,164
+HK$1,788/mo
Deposit HK$4.04M · loan HK$6.06M · min. income ≈ HK$58,752/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$378,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,752
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$31,577
−HK$837/mo
Today · 4.125%
HK$32,414
baseline
▲ 0.50% · 4.625%
HK$34,122
+HK$1,708/mo
Deposit HK$4.04M · loan HK$6.06M · min. income ≈ HK$64,828/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$378,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,250
−HK$2,022/mo
▼ 0.25% · 3.875%
HK$33,253
−HK$1,019/mo
Today · 4.125%
HK$34,272
baseline
▲ 0.50% · 4.625%
HK$36,358
+HK$2,086/mo
Deposit HK$3.03M · loan HK$7.07M · min. income ≈ HK$68,544/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,878
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$36,840
−HK$976/mo
Today · 4.125%
HK$37,816
baseline
▲ 0.50% · 4.625%
HK$39,809
+HK$1,993/mo
Deposit HK$3.03M · loan HK$7.07M · min. income ≈ HK$75,632/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,464
−HK$2,600/mo
▼ 0.25% · 3.875%
HK$42,754
−HK$1,310/mo
Today · 4.125%
HK$44,064
baseline
▲ 0.50% · 4.625%
HK$46,745
+HK$2,681/mo
Deposit HK$1.01M · loan HK$9.09M · min. income ≈ HK$88,128/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,128
−HK$2,493/mo
▼ 0.25% · 3.875%
HK$47,365
−HK$1,256/mo
Today · 4.125%
HK$48,621
baseline
▲ 0.50% · 4.625%
HK$51,183
+HK$2,562/mo
Deposit HK$1.01M · loan HK$9.09M · min. income ≈ HK$97,242/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,833 · Scale 2, in force from 26 Feb 2026)