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$23,271
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$23,995
−HK$735/mo
Today · 4.125%
HK$24,730
baseline
▲ 0.50% · 4.625%
HK$26,235
+HK$1,505/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$49,460/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$382,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,889
−HK$1,398/mo
▼ 0.25% · 3.875%
HK$26,583
−HK$704/mo
Today · 4.125%
HK$27,287
baseline
▲ 0.50% · 4.625%
HK$28,726
+HK$1,439/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$54,574/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$382,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,925
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$28,794
−HK$882/mo
Today · 4.125%
HK$29,676
baseline
▲ 0.50% · 4.625%
HK$31,482
+HK$1,806/mo
Deposit HK$4.08M · loan HK$6.12M · min. income ≈ HK$59,352/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,066
−HK$1,679/mo
▼ 0.25% · 3.875%
HK$31,899
−HK$846/mo
Today · 4.125%
HK$32,745
baseline
▲ 0.50% · 4.625%
HK$34,471
+HK$1,726/mo
Deposit HK$4.08M · loan HK$6.12M · min. income ≈ HK$65,490/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,579
−HK$2,043/mo
▼ 0.25% · 3.875%
HK$33,593
−HK$1,029/mo
Today · 4.125%
HK$34,622
baseline
▲ 0.50% · 4.625%
HK$36,729
+HK$2,107/mo
Deposit HK$3.06M · loan HK$7.14M · min. income ≈ HK$69,244/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,244
−HK$1,958/mo
▼ 0.25% · 3.875%
HK$37,216
−HK$986/mo
Today · 4.125%
HK$38,202
baseline
▲ 0.50% · 4.625%
HK$40,216
+HK$2,014/mo
Deposit HK$3.06M · loan HK$7.14M · min. income ≈ HK$76,404/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,887
−HK$2,627/mo
▼ 0.25% · 3.875%
HK$43,190
−HK$1,324/mo
Today · 4.125%
HK$44,514
baseline
▲ 0.50% · 4.625%
HK$47,223
+HK$2,709/mo
Deposit HK$1.02M · loan HK$9.18M · min. income ≈ HK$89,028/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,599
−HK$2,518/mo
▼ 0.25% · 3.875%
HK$47,849
−HK$1,268/mo
Today · 4.125%
HK$49,117
baseline
▲ 0.50% · 4.625%
HK$51,706
+HK$2,589/mo
Deposit HK$1.02M · loan HK$9.18M · min. income ≈ HK$98,234/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,701 · Scale 2, in force from 26 Feb 2026)