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$1,444/mo
▼ 0.25% · 3.875%
HK$23,753
−HK$728/mo
Today · 4.125%
HK$24,481
baseline
▲ 0.50% · 4.625%
HK$25,971
+HK$1,490/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$48,962/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$378,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,628
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$26,315
−HK$698/mo
Today · 4.125%
HK$27,013
baseline
▲ 0.50% · 4.625%
HK$28,436
+HK$1,423/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$378,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,644
−HK$1,733/mo
▼ 0.25% · 3.875%
HK$28,504
−HK$873/mo
Today · 4.125%
HK$29,377
baseline
▲ 0.50% · 4.625%
HK$31,165
+HK$1,788/mo
Deposit HK$4.04M · loan HK$6.06M · min. income ≈ HK$58,754/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$378,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,754
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$31,578
−HK$837/mo
Today · 4.125%
HK$32,415
baseline
▲ 0.50% · 4.625%
HK$34,124
+HK$1,709/mo
Deposit HK$4.04M · loan HK$6.06M · min. income ≈ HK$64,830/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$378,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,251
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$33,254
−HK$1,020/mo
Today · 4.125%
HK$34,274
baseline
▲ 0.50% · 4.625%
HK$36,359
+HK$2,085/mo
Deposit HK$3.03M · loan HK$7.07M · min. income ≈ HK$68,548/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,879
−HK$1,939/mo
▼ 0.25% · 3.875%
HK$36,841
−HK$977/mo
Today · 4.125%
HK$37,818
baseline
▲ 0.50% · 4.625%
HK$39,811
+HK$1,993/mo
Deposit HK$3.03M · loan HK$7.07M · min. income ≈ HK$75,636/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,466
−HK$2,600/mo
▼ 0.25% · 3.875%
HK$42,756
−HK$1,310/mo
Today · 4.125%
HK$44,066
baseline
▲ 0.50% · 4.625%
HK$46,748
+HK$2,682/mo
Deposit HK$1.01M · loan HK$9.09M · min. income ≈ HK$88,132/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,130
−HK$2,493/mo
▼ 0.25% · 3.875%
HK$47,368
−HK$1,255/mo
Today · 4.125%
HK$48,623
baseline
▲ 0.50% · 4.625%
HK$51,186
+HK$2,563/mo
Deposit HK$1.01M · loan HK$9.09M · min. income ≈ HK$97,246/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,850 · Scale 2, in force from 26 Feb 2026)