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$23,278
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$24,003
−HK$735/mo
Today · 4.125%
HK$24,738
baseline
▲ 0.50% · 4.625%
HK$26,244
+HK$1,506/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$49,476/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$382,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,897
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$26,592
−HK$704/mo
Today · 4.125%
HK$27,296
baseline
▲ 0.50% · 4.625%
HK$28,735
+HK$1,439/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$54,592/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$382,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,934
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$28,803
−HK$883/mo
Today · 4.125%
HK$29,686
baseline
▲ 0.50% · 4.625%
HK$31,492
+HK$1,806/mo
Deposit HK$4.08M · loan HK$6.13M · min. income ≈ HK$59,372/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$382,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,076
−HK$1,679/mo
▼ 0.25% · 3.875%
HK$31,910
−HK$845/mo
Today · 4.125%
HK$32,755
baseline
▲ 0.50% · 4.625%
HK$34,482
+HK$1,727/mo
Deposit HK$4.08M · loan HK$6.13M · min. income ≈ HK$65,510/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$382,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,590
−HK$2,044/mo
▼ 0.25% · 3.875%
HK$33,604
−HK$1,030/mo
Today · 4.125%
HK$34,634
baseline
▲ 0.50% · 4.625%
HK$36,741
+HK$2,107/mo
Deposit HK$3.06M · loan HK$7.15M · min. income ≈ HK$69,268/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$382,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,256
−HK$1,959/mo
▼ 0.25% · 3.875%
HK$37,228
−HK$987/mo
Today · 4.125%
HK$38,215
baseline
▲ 0.50% · 4.625%
HK$40,229
+HK$2,014/mo
Deposit HK$3.06M · loan HK$7.15M · min. income ≈ HK$76,430/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$382,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,901
−HK$2,628/mo
▼ 0.25% · 3.875%
HK$43,205
−HK$1,324/mo
Today · 4.125%
HK$44,529
baseline
▲ 0.50% · 4.625%
HK$47,238
+HK$2,709/mo
Deposit HK$1.02M · loan HK$9.19M · min. income ≈ HK$89,058/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,615
−HK$2,518/mo
▼ 0.25% · 3.875%
HK$47,865
−HK$1,268/mo
Today · 4.125%
HK$49,133
baseline
▲ 0.50% · 4.625%
HK$51,723
+HK$2,590/mo
Deposit HK$1.02M · loan HK$9.19M · min. income ≈ HK$98,266/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,827 · Scale 2, in force from 26 Feb 2026)