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$23,248
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$23,971
−HK$735/mo
Today · 4.125%
HK$24,706
baseline
▲ 0.50% · 4.625%
HK$26,209
+HK$1,503/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$49,412/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$382,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,863
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$26,557
−HK$703/mo
Today · 4.125%
HK$27,260
baseline
▲ 0.50% · 4.625%
HK$28,697
+HK$1,437/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$54,520/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$382,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,898
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$28,765
−HK$882/mo
Today · 4.125%
HK$29,647
baseline
▲ 0.50% · 4.625%
HK$31,451
+HK$1,804/mo
Deposit HK$4.08M · loan HK$6.12M · min. income ≈ HK$59,294/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,036
−HK$1,677/mo
▼ 0.25% · 3.875%
HK$31,868
−HK$845/mo
Today · 4.125%
HK$32,713
baseline
▲ 0.50% · 4.625%
HK$34,437
+HK$1,724/mo
Deposit HK$4.08M · loan HK$6.12M · min. income ≈ HK$65,426/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,547
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$33,560
−HK$1,028/mo
Today · 4.125%
HK$34,588
baseline
▲ 0.50% · 4.625%
HK$36,693
+HK$2,105/mo
Deposit HK$3.06M · loan HK$7.14M · min. income ≈ HK$69,176/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,208
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$37,179
−HK$986/mo
Today · 4.125%
HK$38,165
baseline
▲ 0.50% · 4.625%
HK$40,176
+HK$2,011/mo
Deposit HK$3.06M · loan HK$7.14M · min. income ≈ HK$76,330/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,846
−HK$2,624/mo
▼ 0.25% · 3.875%
HK$43,148
−HK$1,322/mo
Today · 4.125%
HK$44,470
baseline
▲ 0.50% · 4.625%
HK$47,176
+HK$2,706/mo
Deposit HK$1.02M · loan HK$9.18M · min. income ≈ HK$88,940/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,554
−HK$2,515/mo
▼ 0.25% · 3.875%
HK$47,802
−HK$1,267/mo
Today · 4.125%
HK$49,069
baseline
▲ 0.50% · 4.625%
HK$51,655
+HK$2,586/mo
Deposit HK$1.02M · loan HK$9.18M · min. income ≈ HK$98,138/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,326 · Scale 2, in force from 26 Feb 2026)