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$23,270
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$23,994
−HK$735/mo
Today · 4.125%
HK$24,729
baseline
▲ 0.50% · 4.625%
HK$26,234
+HK$1,505/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$49,458/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$382,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,888
−HK$1,398/mo
▼ 0.25% · 3.875%
HK$26,582
−HK$704/mo
Today · 4.125%
HK$27,286
baseline
▲ 0.50% · 4.625%
HK$28,725
+HK$1,439/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$54,572/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$382,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,924
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$28,793
−HK$882/mo
Today · 4.125%
HK$29,675
baseline
▲ 0.50% · 4.625%
HK$31,481
+HK$1,806/mo
Deposit HK$4.08M · loan HK$6.12M · min. income ≈ HK$59,350/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,065
−HK$1,679/mo
▼ 0.25% · 3.875%
HK$31,898
−HK$846/mo
Today · 4.125%
HK$32,744
baseline
▲ 0.50% · 4.625%
HK$34,470
+HK$1,726/mo
Deposit HK$4.08M · loan HK$6.12M · min. income ≈ HK$65,488/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,578
−HK$2,043/mo
▼ 0.25% · 3.875%
HK$33,591
−HK$1,030/mo
Today · 4.125%
HK$34,621
baseline
▲ 0.50% · 4.625%
HK$36,728
+HK$2,107/mo
Deposit HK$3.06M · loan HK$7.14M · min. income ≈ HK$69,242/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,243
−HK$1,958/mo
▼ 0.25% · 3.875%
HK$37,215
−HK$986/mo
Today · 4.125%
HK$38,201
baseline
▲ 0.50% · 4.625%
HK$40,214
+HK$2,013/mo
Deposit HK$3.06M · loan HK$7.14M · min. income ≈ HK$76,402/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,886
−HK$2,627/mo
▼ 0.25% · 3.875%
HK$43,189
−HK$1,324/mo
Today · 4.125%
HK$44,513
baseline
▲ 0.50% · 4.625%
HK$47,221
+HK$2,708/mo
Deposit HK$1.02M · loan HK$9.18M · min. income ≈ HK$89,026/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,598
−HK$2,517/mo
▼ 0.25% · 3.875%
HK$47,848
−HK$1,267/mo
Today · 4.125%
HK$49,115
baseline
▲ 0.50% · 4.625%
HK$51,704
+HK$2,589/mo
Deposit HK$1.02M · loan HK$9.18M · min. income ≈ HK$98,230/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,688 · Scale 2, in force from 26 Feb 2026)