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$23,238
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$23,961
−HK$735/mo
Today · 4.125%
HK$24,696
baseline
▲ 0.50% · 4.625%
HK$26,198
+HK$1,502/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$49,392/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$382,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,853
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$26,546
−HK$703/mo
Today · 4.125%
HK$27,249
baseline
▲ 0.50% · 4.625%
HK$28,686
+HK$1,437/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$54,498/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$382,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,886
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$28,754
−HK$881/mo
Today · 4.125%
HK$29,635
baseline
▲ 0.50% · 4.625%
HK$31,438
+HK$1,803/mo
Deposit HK$4.08M · loan HK$6.11M · min. income ≈ HK$59,270/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,023
−HK$1,676/mo
▼ 0.25% · 3.875%
HK$31,855
−HK$844/mo
Today · 4.125%
HK$32,699
baseline
▲ 0.50% · 4.625%
HK$34,423
+HK$1,724/mo
Deposit HK$4.08M · loan HK$6.11M · min. income ≈ HK$65,398/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,534
−HK$2,040/mo
▼ 0.25% · 3.875%
HK$33,546
−HK$1,028/mo
Today · 4.125%
HK$34,574
baseline
▲ 0.50% · 4.625%
HK$36,678
+HK$2,104/mo
Deposit HK$3.06M · loan HK$7.13M · min. income ≈ HK$69,148/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,194
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$37,164
−HK$985/mo
Today · 4.125%
HK$38,149
baseline
▲ 0.50% · 4.625%
HK$40,160
+HK$2,011/mo
Deposit HK$3.06M · loan HK$7.13M · min. income ≈ HK$76,298/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,829
−HK$2,623/mo
▼ 0.25% · 3.875%
HK$43,130
−HK$1,322/mo
Today · 4.125%
HK$44,452
baseline
▲ 0.50% · 4.625%
HK$47,157
+HK$2,705/mo
Deposit HK$1.02M · loan HK$9.17M · min. income ≈ HK$88,904/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,535
−HK$2,514/mo
▼ 0.25% · 3.875%
HK$47,783
−HK$1,266/mo
Today · 4.125%
HK$49,049
baseline
▲ 0.50% · 4.625%
HK$51,634
+HK$2,585/mo
Deposit HK$1.02M · loan HK$9.17M · min. income ≈ HK$98,098/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,169 · Scale 2, in force from 26 Feb 2026)