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$23,249
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$23,972
−HK$735/mo
Today · 4.125%
HK$24,707
baseline
▲ 0.50% · 4.625%
HK$26,210
+HK$1,503/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$49,414/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$382,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,864
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$26,558
−HK$703/mo
Today · 4.125%
HK$27,261
baseline
▲ 0.50% · 4.625%
HK$28,698
+HK$1,437/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$54,522/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$382,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,898
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$28,766
−HK$882/mo
Today · 4.125%
HK$29,648
baseline
▲ 0.50% · 4.625%
HK$31,452
+HK$1,804/mo
Deposit HK$4.08M · loan HK$6.12M · min. income ≈ HK$59,296/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,037
−HK$1,676/mo
▼ 0.25% · 3.875%
HK$31,869
−HK$844/mo
Today · 4.125%
HK$32,713
baseline
▲ 0.50% · 4.625%
HK$34,438
+HK$1,725/mo
Deposit HK$4.08M · loan HK$6.12M · min. income ≈ HK$65,426/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,548
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$33,561
−HK$1,028/mo
Today · 4.125%
HK$34,589
baseline
▲ 0.50% · 4.625%
HK$36,694
+HK$2,105/mo
Deposit HK$3.06M · loan HK$7.14M · min. income ≈ HK$69,178/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,209
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$37,181
−HK$985/mo
Today · 4.125%
HK$38,166
baseline
▲ 0.50% · 4.625%
HK$40,177
+HK$2,011/mo
Deposit HK$3.06M · loan HK$7.14M · min. income ≈ HK$76,332/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,848
−HK$2,624/mo
▼ 0.25% · 3.875%
HK$43,149
−HK$1,323/mo
Today · 4.125%
HK$44,472
baseline
▲ 0.50% · 4.625%
HK$47,178
+HK$2,706/mo
Deposit HK$1.02M · loan HK$9.18M · min. income ≈ HK$88,944/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,555
−HK$2,515/mo
▼ 0.25% · 3.875%
HK$47,804
−HK$1,266/mo
Today · 4.125%
HK$49,070
baseline
▲ 0.50% · 4.625%
HK$51,657
+HK$2,587/mo
Deposit HK$1.02M · loan HK$9.18M · min. income ≈ HK$98,140/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,337 · Scale 2, in force from 26 Feb 2026)