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$23,279
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$24,004
−HK$735/mo
Today · 4.125%
HK$24,739
baseline
▲ 0.50% · 4.625%
HK$26,245
+HK$1,506/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$49,478/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$382,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,898
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$26,593
−HK$704/mo
Today · 4.125%
HK$27,297
baseline
▲ 0.50% · 4.625%
HK$28,736
+HK$1,439/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$54,594/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$382,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,935
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$28,804
−HK$883/mo
Today · 4.125%
HK$29,687
baseline
▲ 0.50% · 4.625%
HK$31,493
+HK$1,806/mo
Deposit HK$4.08M · loan HK$6.13M · min. income ≈ HK$59,374/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$382,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,078
−HK$1,679/mo
▼ 0.25% · 3.875%
HK$31,911
−HK$846/mo
Today · 4.125%
HK$32,757
baseline
▲ 0.50% · 4.625%
HK$34,483
+HK$1,726/mo
Deposit HK$4.08M · loan HK$6.13M · min. income ≈ HK$65,514/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$382,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,591
−HK$2,044/mo
▼ 0.25% · 3.875%
HK$33,605
−HK$1,030/mo
Today · 4.125%
HK$34,635
baseline
▲ 0.50% · 4.625%
HK$36,742
+HK$2,107/mo
Deposit HK$3.06M · loan HK$7.15M · min. income ≈ HK$69,270/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$382,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,257
−HK$1,959/mo
▼ 0.25% · 3.875%
HK$37,230
−HK$986/mo
Today · 4.125%
HK$38,216
baseline
▲ 0.50% · 4.625%
HK$40,231
+HK$2,015/mo
Deposit HK$3.06M · loan HK$7.15M · min. income ≈ HK$76,432/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$382,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,903
−HK$2,628/mo
▼ 0.25% · 3.875%
HK$43,206
−HK$1,325/mo
Today · 4.125%
HK$44,531
baseline
▲ 0.50% · 4.625%
HK$47,240
+HK$2,709/mo
Deposit HK$1.02M · loan HK$9.19M · min. income ≈ HK$89,062/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,617
−HK$2,518/mo
▼ 0.25% · 3.875%
HK$47,867
−HK$1,268/mo
Today · 4.125%
HK$49,135
baseline
▲ 0.50% · 4.625%
HK$51,725
+HK$2,590/mo
Deposit HK$1.02M · loan HK$9.19M · min. income ≈ HK$98,270/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,843 · Scale 2, in force from 26 Feb 2026)