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$23,268
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$23,992
−HK$736/mo
Today · 4.125%
HK$24,728
baseline
▲ 0.50% · 4.625%
HK$26,232
+HK$1,504/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$49,456/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$382,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,886
−HK$1,398/mo
▼ 0.25% · 3.875%
HK$26,580
−HK$704/mo
Today · 4.125%
HK$27,284
baseline
▲ 0.50% · 4.625%
HK$28,723
+HK$1,439/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$54,568/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$382,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,922
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$28,791
−HK$882/mo
Today · 4.125%
HK$29,673
baseline
▲ 0.50% · 4.625%
HK$31,479
+HK$1,806/mo
Deposit HK$4.08M · loan HK$6.12M · min. income ≈ HK$59,346/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,063
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$31,896
−HK$845/mo
Today · 4.125%
HK$32,741
baseline
▲ 0.50% · 4.625%
HK$34,467
+HK$1,726/mo
Deposit HK$4.08M · loan HK$6.12M · min. income ≈ HK$65,482/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,576
−HK$2,043/mo
▼ 0.25% · 3.875%
HK$33,589
−HK$1,030/mo
Today · 4.125%
HK$34,619
baseline
▲ 0.50% · 4.625%
HK$36,725
+HK$2,106/mo
Deposit HK$3.06M · loan HK$7.14M · min. income ≈ HK$69,238/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,240
−HK$1,958/mo
▼ 0.25% · 3.875%
HK$37,212
−HK$986/mo
Today · 4.125%
HK$38,198
baseline
▲ 0.50% · 4.625%
HK$40,212
+HK$2,014/mo
Deposit HK$3.06M · loan HK$7.14M · min. income ≈ HK$76,396/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,883
−HK$2,627/mo
▼ 0.25% · 3.875%
HK$43,186
−HK$1,324/mo
Today · 4.125%
HK$44,510
baseline
▲ 0.50% · 4.625%
HK$47,218
+HK$2,708/mo
Deposit HK$1.02M · loan HK$9.18M · min. income ≈ HK$89,020/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,595
−HK$2,517/mo
▼ 0.25% · 3.875%
HK$47,844
−HK$1,268/mo
Today · 4.125%
HK$49,112
baseline
▲ 0.50% · 4.625%
HK$51,701
+HK$2,589/mo
Deposit HK$1.02M · loan HK$9.18M · min. income ≈ HK$98,224/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,661 · Scale 2, in force from 26 Feb 2026)