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$23,242
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$23,965
−HK$735/mo
Today · 4.125%
HK$24,700
baseline
▲ 0.50% · 4.625%
HK$26,203
+HK$1,503/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$49,400/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$382,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,857
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$26,550
−HK$704/mo
Today · 4.125%
HK$27,254
baseline
▲ 0.50% · 4.625%
HK$28,690
+HK$1,436/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$54,508/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$382,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,891
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$28,758
−HK$882/mo
Today · 4.125%
HK$29,640
baseline
▲ 0.50% · 4.625%
HK$31,443
+HK$1,803/mo
Deposit HK$4.08M · loan HK$6.12M · min. income ≈ HK$59,280/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,028
−HK$1,676/mo
▼ 0.25% · 3.875%
HK$31,860
−HK$844/mo
Today · 4.125%
HK$32,704
baseline
▲ 0.50% · 4.625%
HK$34,428
+HK$1,724/mo
Deposit HK$4.08M · loan HK$6.12M · min. income ≈ HK$65,408/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,539
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$33,551
−HK$1,029/mo
Today · 4.125%
HK$34,580
baseline
▲ 0.50% · 4.625%
HK$36,684
+HK$2,104/mo
Deposit HK$3.06M · loan HK$7.13M · min. income ≈ HK$69,160/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,199
−HK$1,956/mo
▼ 0.25% · 3.875%
HK$37,170
−HK$985/mo
Today · 4.125%
HK$38,155
baseline
▲ 0.50% · 4.625%
HK$40,166
+HK$2,011/mo
Deposit HK$3.06M · loan HK$7.13M · min. income ≈ HK$76,310/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,836
−HK$2,623/mo
▼ 0.25% · 3.875%
HK$43,137
−HK$1,322/mo
Today · 4.125%
HK$44,459
baseline
▲ 0.50% · 4.625%
HK$47,165
+HK$2,706/mo
Deposit HK$1.02M · loan HK$9.17M · min. income ≈ HK$88,918/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,542
−HK$2,515/mo
▼ 0.25% · 3.875%
HK$47,790
−HK$1,267/mo
Today · 4.125%
HK$49,057
baseline
▲ 0.50% · 4.625%
HK$51,642
+HK$2,585/mo
Deposit HK$1.02M · loan HK$9.17M · min. income ≈ HK$98,114/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,230 · Scale 2, in force from 26 Feb 2026)