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$23,259
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$23,982
−HK$736/mo
Today · 4.125%
HK$24,718
baseline
▲ 0.50% · 4.625%
HK$26,222
+HK$1,504/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$49,436/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$382,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,875
−HK$1,398/mo
▼ 0.25% · 3.875%
HK$26,569
−HK$704/mo
Today · 4.125%
HK$27,273
baseline
▲ 0.50% · 4.625%
HK$28,711
+HK$1,438/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$54,546/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$382,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,911
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$28,779
−HK$882/mo
Today · 4.125%
HK$29,661
baseline
▲ 0.50% · 4.625%
HK$31,466
+HK$1,805/mo
Deposit HK$4.08M · loan HK$6.12M · min. income ≈ HK$59,322/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,050
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$31,883
−HK$845/mo
Today · 4.125%
HK$32,728
baseline
▲ 0.50% · 4.625%
HK$34,453
+HK$1,725/mo
Deposit HK$4.08M · loan HK$6.12M · min. income ≈ HK$65,456/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,563
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$33,575
−HK$1,030/mo
Today · 4.125%
HK$34,605
baseline
▲ 0.50% · 4.625%
HK$36,710
+HK$2,105/mo
Deposit HK$3.06M · loan HK$7.14M · min. income ≈ HK$69,210/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,226
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$37,197
−HK$986/mo
Today · 4.125%
HK$38,183
baseline
▲ 0.50% · 4.625%
HK$40,195
+HK$2,012/mo
Deposit HK$3.06M · loan HK$7.14M · min. income ≈ HK$76,366/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,866
−HK$2,626/mo
▼ 0.25% · 3.875%
HK$43,168
−HK$1,324/mo
Today · 4.125%
HK$44,492
baseline
▲ 0.50% · 4.625%
HK$47,199
+HK$2,707/mo
Deposit HK$1.02M · loan HK$9.18M · min. income ≈ HK$88,984/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,576
−HK$2,516/mo
▼ 0.25% · 3.875%
HK$47,825
−HK$1,267/mo
Today · 4.125%
HK$49,092
baseline
▲ 0.50% · 4.625%
HK$51,680
+HK$2,588/mo
Deposit HK$1.02M · loan HK$9.18M · min. income ≈ HK$98,184/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,507 · Scale 2, in force from 26 Feb 2026)