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$23,277
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$24,001
−HK$736/mo
Today · 4.125%
HK$24,737
baseline
▲ 0.50% · 4.625%
HK$26,242
+HK$1,505/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$49,474/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$382,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,896
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$26,590
−HK$705/mo
Today · 4.125%
HK$27,295
baseline
▲ 0.50% · 4.625%
HK$28,734
+HK$1,439/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$54,590/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$382,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,933
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$28,802
−HK$883/mo
Today · 4.125%
HK$29,685
baseline
▲ 0.50% · 4.625%
HK$31,491
+HK$1,806/mo
Deposit HK$4.08M · loan HK$6.12M · min. income ≈ HK$59,370/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$382,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,075
−HK$1,679/mo
▼ 0.25% · 3.875%
HK$31,908
−HK$846/mo
Today · 4.125%
HK$32,754
baseline
▲ 0.50% · 4.625%
HK$34,480
+HK$1,726/mo
Deposit HK$4.08M · loan HK$6.12M · min. income ≈ HK$65,508/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$382,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,588
−HK$2,044/mo
▼ 0.25% · 3.875%
HK$33,602
−HK$1,030/mo
Today · 4.125%
HK$34,632
baseline
▲ 0.50% · 4.625%
HK$36,739
+HK$2,107/mo
Deposit HK$3.06M · loan HK$7.15M · min. income ≈ HK$69,264/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$382,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,254
−HK$1,959/mo
▼ 0.25% · 3.875%
HK$37,227
−HK$986/mo
Today · 4.125%
HK$38,213
baseline
▲ 0.50% · 4.625%
HK$40,227
+HK$2,014/mo
Deposit HK$3.06M · loan HK$7.15M · min. income ≈ HK$76,426/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$382,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,899
−HK$2,628/mo
▼ 0.25% · 3.875%
HK$43,203
−HK$1,324/mo
Today · 4.125%
HK$44,527
baseline
▲ 0.50% · 4.625%
HK$47,236
+HK$2,709/mo
Deposit HK$1.02M · loan HK$9.19M · min. income ≈ HK$89,054/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,613
−HK$2,518/mo
▼ 0.25% · 3.875%
HK$47,863
−HK$1,268/mo
Today · 4.125%
HK$49,131
baseline
▲ 0.50% · 4.625%
HK$51,721
+HK$2,590/mo
Deposit HK$1.02M · loan HK$9.19M · min. income ≈ HK$98,262/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,810 · Scale 2, in force from 26 Feb 2026)