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$23,035
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$23,752
−HK$728/mo
Today · 4.125%
HK$24,480
baseline
▲ 0.50% · 4.625%
HK$25,969
+HK$1,489/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$378,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,626
−HK$1,385/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$378,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,642
−HK$1,733/mo
▼ 0.25% · 3.875%
HK$28,502
−HK$873/mo
Today · 4.125%
HK$29,375
baseline
▲ 0.50% · 4.625%
HK$31,163
+HK$1,788/mo
Deposit HK$4.04M · loan HK$6.06M · min. income ≈ HK$58,750/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$378,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,751
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$31,576
−HK$837/mo
Today · 4.125%
HK$32,413
baseline
▲ 0.50% · 4.625%
HK$34,121
+HK$1,708/mo
Deposit HK$4.04M · loan HK$6.06M · min. income ≈ HK$64,826/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$378,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,249
−HK$2,022/mo
▼ 0.25% · 3.875%
HK$33,252
−HK$1,019/mo
Today · 4.125%
HK$34,271
baseline
▲ 0.50% · 4.625%
HK$36,357
+HK$2,086/mo
Deposit HK$3.03M · loan HK$7.07M · min. income ≈ HK$68,542/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,877
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$36,839
−HK$976/mo
Today · 4.125%
HK$37,815
baseline
▲ 0.50% · 4.625%
HK$39,808
+HK$1,993/mo
Deposit HK$3.03M · loan HK$7.07M · min. income ≈ HK$75,630/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$378,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,463
−HK$2,600/mo
▼ 0.25% · 3.875%
HK$42,753
−HK$1,310/mo
Today · 4.125%
HK$44,063
baseline
▲ 0.50% · 4.625%
HK$46,744
+HK$2,681/mo
Deposit HK$1.01M · loan HK$9.09M · min. income ≈ HK$88,126/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,127
−HK$2,492/mo
▼ 0.25% · 3.875%
HK$47,364
−HK$1,255/mo
Today · 4.125%
HK$48,619
baseline
▲ 0.50% · 4.625%
HK$51,182
+HK$2,563/mo
Deposit HK$1.01M · loan HK$9.09M · min. income ≈ HK$97,238/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$378,823 · Scale 2, in force from 26 Feb 2026)