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$23,265
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$23,989
−HK$735/mo
Today · 4.125%
HK$24,724
baseline
▲ 0.50% · 4.625%
HK$26,229
+HK$1,505/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$49,448/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$382,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,883
−HK$1,398/mo
▼ 0.25% · 3.875%
HK$26,577
−HK$704/mo
Today · 4.125%
HK$27,281
baseline
▲ 0.50% · 4.625%
HK$28,719
+HK$1,438/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$54,562/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$382,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,919
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$28,787
−HK$882/mo
Today · 4.125%
HK$29,669
baseline
▲ 0.50% · 4.625%
HK$31,475
+HK$1,806/mo
Deposit HK$4.08M · loan HK$6.12M · min. income ≈ HK$59,338/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,059
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$31,892
−HK$845/mo
Today · 4.125%
HK$32,737
baseline
▲ 0.50% · 4.625%
HK$34,463
+HK$1,726/mo
Deposit HK$4.08M · loan HK$6.12M · min. income ≈ HK$65,474/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,572
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$33,585
−HK$1,029/mo
Today · 4.125%
HK$34,614
baseline
▲ 0.50% · 4.625%
HK$36,720
+HK$2,106/mo
Deposit HK$3.06M · loan HK$7.14M · min. income ≈ HK$69,228/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,236
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$37,208
−HK$985/mo
Today · 4.125%
HK$38,193
baseline
▲ 0.50% · 4.625%
HK$40,207
+HK$2,014/mo
Deposit HK$3.06M · loan HK$7.14M · min. income ≈ HK$76,386/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,878
−HK$2,626/mo
▼ 0.25% · 3.875%
HK$43,181
−HK$1,323/mo
Today · 4.125%
HK$44,504
baseline
▲ 0.50% · 4.625%
HK$47,212
+HK$2,708/mo
Deposit HK$1.02M · loan HK$9.18M · min. income ≈ HK$89,008/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,589
−HK$2,517/mo
▼ 0.25% · 3.875%
HK$47,838
−HK$1,268/mo
Today · 4.125%
HK$49,106
baseline
▲ 0.50% · 4.625%
HK$51,694
+HK$2,588/mo
Deposit HK$1.02M · loan HK$9.18M · min. income ≈ HK$98,212/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,614 · Scale 2, in force from 26 Feb 2026)