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$23,038
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$23,755
−HK$728/mo
Today · 4.125%
HK$24,483
baseline
▲ 0.50% · 4.625%
HK$25,973
+HK$1,490/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$48,966/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$378,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,630
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$26,317
−HK$698/mo
Today · 4.125%
HK$27,015
baseline
▲ 0.50% · 4.625%
HK$28,439
+HK$1,424/mo
Deposit HK$5.05M · loan HK$5.05M · min. income ≈ HK$54,030/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$378,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,646
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$28,506
−HK$874/mo
Today · 4.125%
HK$29,380
baseline
▲ 0.50% · 4.625%
HK$31,168
+HK$1,788/mo
Deposit HK$4.04M · loan HK$6.06M · min. income ≈ HK$58,760/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$378,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,756
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$31,581
−HK$837/mo
Today · 4.125%
HK$32,418
baseline
▲ 0.50% · 4.625%
HK$34,127
+HK$1,709/mo
Deposit HK$4.04M · loan HK$6.06M · min. income ≈ HK$64,836/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$378,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,254
−HK$2,022/mo
▼ 0.25% · 3.875%
HK$33,257
−HK$1,019/mo
Today · 4.125%
HK$34,276
baseline
▲ 0.50% · 4.625%
HK$36,362
+HK$2,086/mo
Deposit HK$3.03M · loan HK$7.07M · min. income ≈ HK$68,552/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,882
−HK$1,939/mo
▼ 0.25% · 3.875%
HK$36,844
−HK$977/mo
Today · 4.125%
HK$37,821
baseline
▲ 0.50% · 4.625%
HK$39,814
+HK$1,993/mo
Deposit HK$3.03M · loan HK$7.07M · min. income ≈ HK$75,642/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,469
−HK$2,601/mo
▼ 0.25% · 3.875%
HK$42,759
−HK$1,311/mo
Today · 4.125%
HK$44,070
baseline
▲ 0.50% · 4.625%
HK$46,751
+HK$2,681/mo
Deposit HK$1.01M · loan HK$9.09M · min. income ≈ HK$88,140/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,134
−HK$2,493/mo
▼ 0.25% · 3.875%
HK$47,371
−HK$1,256/mo
Today · 4.125%
HK$48,627
baseline
▲ 0.50% · 4.625%
HK$51,190
+HK$2,563/mo
Deposit HK$1.01M · loan HK$9.09M · min. income ≈ HK$97,254/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,880 · Scale 2, in force from 26 Feb 2026)