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$23,241
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$23,964
−HK$734/mo
Today · 4.125%
HK$24,698
baseline
▲ 0.50% · 4.625%
HK$26,201
+HK$1,503/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$49,396/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$382,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,855
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$26,549
−HK$703/mo
Today · 4.125%
HK$27,252
baseline
▲ 0.50% · 4.625%
HK$28,689
+HK$1,437/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$54,504/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$382,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,889
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$28,757
−HK$881/mo
Today · 4.125%
HK$29,638
baseline
▲ 0.50% · 4.625%
HK$31,441
+HK$1,803/mo
Deposit HK$4.08M · loan HK$6.12M · min. income ≈ HK$59,276/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,026
−HK$1,677/mo
▼ 0.25% · 3.875%
HK$31,858
−HK$845/mo
Today · 4.125%
HK$32,703
baseline
▲ 0.50% · 4.625%
HK$34,426
+HK$1,723/mo
Deposit HK$4.08M · loan HK$6.12M · min. income ≈ HK$65,406/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,537
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$33,549
−HK$1,029/mo
Today · 4.125%
HK$34,578
baseline
▲ 0.50% · 4.625%
HK$36,682
+HK$2,104/mo
Deposit HK$3.06M · loan HK$7.13M · min. income ≈ HK$69,156/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,197
−HK$1,956/mo
▼ 0.25% · 3.875%
HK$37,168
−HK$985/mo
Today · 4.125%
HK$38,153
baseline
▲ 0.50% · 4.625%
HK$40,164
+HK$2,011/mo
Deposit HK$3.06M · loan HK$7.13M · min. income ≈ HK$76,306/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,834
−HK$2,623/mo
▼ 0.25% · 3.875%
HK$43,135
−HK$1,322/mo
Today · 4.125%
HK$44,457
baseline
▲ 0.50% · 4.625%
HK$47,162
+HK$2,705/mo
Deposit HK$1.02M · loan HK$9.17M · min. income ≈ HK$88,914/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,539
−HK$2,515/mo
▼ 0.25% · 3.875%
HK$47,788
−HK$1,266/mo
Today · 4.125%
HK$49,054
baseline
▲ 0.50% · 4.625%
HK$51,639
+HK$2,585/mo
Deposit HK$1.02M · loan HK$9.17M · min. income ≈ HK$98,108/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,209 · Scale 2, in force from 26 Feb 2026)