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$23,240
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$23,963
−HK$734/mo
Today · 4.125%
HK$24,697
baseline
▲ 0.50% · 4.625%
HK$26,200
+HK$1,503/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$49,394/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$382,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,854
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$26,548
−HK$703/mo
Today · 4.125%
HK$27,251
baseline
▲ 0.50% · 4.625%
HK$28,687
+HK$1,436/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$54,502/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$382,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,888
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$28,755
−HK$882/mo
Today · 4.125%
HK$29,637
baseline
▲ 0.50% · 4.625%
HK$31,440
+HK$1,803/mo
Deposit HK$4.08M · loan HK$6.12M · min. income ≈ HK$59,274/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,025
−HK$1,676/mo
▼ 0.25% · 3.875%
HK$31,857
−HK$844/mo
Today · 4.125%
HK$32,701
baseline
▲ 0.50% · 4.625%
HK$34,425
+HK$1,724/mo
Deposit HK$4.08M · loan HK$6.12M · min. income ≈ HK$65,402/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,536
−HK$2,040/mo
▼ 0.25% · 3.875%
HK$33,548
−HK$1,028/mo
Today · 4.125%
HK$34,576
baseline
▲ 0.50% · 4.625%
HK$36,680
+HK$2,104/mo
Deposit HK$3.06M · loan HK$7.13M · min. income ≈ HK$69,152/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,196
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$37,167
−HK$984/mo
Today · 4.125%
HK$38,151
baseline
▲ 0.50% · 4.625%
HK$40,162
+HK$2,011/mo
Deposit HK$3.06M · loan HK$7.13M · min. income ≈ HK$76,302/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,832
−HK$2,623/mo
▼ 0.25% · 3.875%
HK$43,133
−HK$1,322/mo
Today · 4.125%
HK$44,455
baseline
▲ 0.50% · 4.625%
HK$47,160
+HK$2,705/mo
Deposit HK$1.02M · loan HK$9.17M · min. income ≈ HK$88,910/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,537
−HK$2,515/mo
▼ 0.25% · 3.875%
HK$47,786
−HK$1,266/mo
Today · 4.125%
HK$49,052
baseline
▲ 0.50% · 4.625%
HK$51,637
+HK$2,585/mo
Deposit HK$1.02M · loan HK$9.17M · min. income ≈ HK$98,104/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,192 · Scale 2, in force from 26 Feb 2026)