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$1,459/mo
▼ 0.25% · 3.875%
HK$24,001
−HK$735/mo
Today · 4.125%
HK$24,736
baseline
▲ 0.50% · 4.625%
HK$26,241
+HK$1,505/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$49,472/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$382,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,895
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$26,589
−HK$705/mo
Today · 4.125%
HK$27,294
baseline
▲ 0.50% · 4.625%
HK$28,733
+HK$1,439/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$54,588/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$382,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,932
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$28,801
−HK$882/mo
Today · 4.125%
HK$29,683
baseline
▲ 0.50% · 4.625%
HK$31,490
+HK$1,807/mo
Deposit HK$4.08M · loan HK$6.12M · min. income ≈ HK$59,366/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$382,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,074
−HK$1,679/mo
▼ 0.25% · 3.875%
HK$31,907
−HK$846/mo
Today · 4.125%
HK$32,753
baseline
▲ 0.50% · 4.625%
HK$34,479
+HK$1,726/mo
Deposit HK$4.08M · loan HK$6.12M · min. income ≈ HK$65,506/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$382,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,587
−HK$2,044/mo
▼ 0.25% · 3.875%
HK$33,601
−HK$1,030/mo
Today · 4.125%
HK$34,631
baseline
▲ 0.50% · 4.625%
HK$36,738
+HK$2,107/mo
Deposit HK$3.06M · loan HK$7.15M · min. income ≈ HK$69,262/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$382,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,253
−HK$1,959/mo
▼ 0.25% · 3.875%
HK$37,225
−HK$987/mo
Today · 4.125%
HK$38,212
baseline
▲ 0.50% · 4.625%
HK$40,226
+HK$2,014/mo
Deposit HK$3.06M · loan HK$7.15M · min. income ≈ HK$76,424/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$382,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,898
−HK$2,627/mo
▼ 0.25% · 3.875%
HK$43,201
−HK$1,324/mo
Today · 4.125%
HK$44,525
baseline
▲ 0.50% · 4.625%
HK$47,234
+HK$2,709/mo
Deposit HK$1.02M · loan HK$9.19M · min. income ≈ HK$89,050/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,611
−HK$2,518/mo
▼ 0.25% · 3.875%
HK$47,861
−HK$1,268/mo
Today · 4.125%
HK$49,129
baseline
▲ 0.50% · 4.625%
HK$51,719
+HK$2,590/mo
Deposit HK$1.02M · loan HK$9.19M · min. income ≈ HK$98,258/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,796 · Scale 2, in force from 26 Feb 2026)