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$23,237
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$23,960
−HK$734/mo
Today · 4.125%
HK$24,694
baseline
▲ 0.50% · 4.625%
HK$26,197
+HK$1,503/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$49,388/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$382,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,851
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$26,544
−HK$704/mo
Today · 4.125%
HK$27,248
baseline
▲ 0.50% · 4.625%
HK$28,684
+HK$1,436/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$54,496/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$382,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,885
−HK$1,748/mo
▼ 0.25% · 3.875%
HK$28,752
−HK$881/mo
Today · 4.125%
HK$29,633
baseline
▲ 0.50% · 4.625%
HK$31,436
+HK$1,803/mo
Deposit HK$4.08M · loan HK$6.11M · min. income ≈ HK$59,266/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,021
−HK$1,676/mo
▼ 0.25% · 3.875%
HK$31,853
−HK$844/mo
Today · 4.125%
HK$32,697
baseline
▲ 0.50% · 4.625%
HK$34,421
+HK$1,724/mo
Deposit HK$4.08M · loan HK$6.11M · min. income ≈ HK$65,394/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,532
−HK$2,040/mo
▼ 0.25% · 3.875%
HK$33,544
−HK$1,028/mo
Today · 4.125%
HK$34,572
baseline
▲ 0.50% · 4.625%
HK$36,676
+HK$2,104/mo
Deposit HK$3.06M · loan HK$7.13M · min. income ≈ HK$69,144/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,192
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$37,162
−HK$985/mo
Today · 4.125%
HK$38,147
baseline
▲ 0.50% · 4.625%
HK$40,158
+HK$2,011/mo
Deposit HK$3.06M · loan HK$7.13M · min. income ≈ HK$76,294/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,827
−HK$2,623/mo
▼ 0.25% · 3.875%
HK$43,128
−HK$1,322/mo
Today · 4.125%
HK$44,450
baseline
▲ 0.50% · 4.625%
HK$47,154
+HK$2,704/mo
Deposit HK$1.02M · loan HK$9.17M · min. income ≈ HK$88,900/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,532
−HK$2,514/mo
▼ 0.25% · 3.875%
HK$47,780
−HK$1,266/mo
Today · 4.125%
HK$49,046
baseline
▲ 0.50% · 4.625%
HK$51,631
+HK$2,585/mo
Deposit HK$1.02M · loan HK$9.17M · min. income ≈ HK$98,092/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,148 · Scale 2, in force from 26 Feb 2026)