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$23,264
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$23,988
−HK$735/mo
Today · 4.125%
HK$24,723
baseline
▲ 0.50% · 4.625%
HK$26,228
+HK$1,505/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$49,446/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$382,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,881
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$26,576
−HK$704/mo
Today · 4.125%
HK$27,280
baseline
▲ 0.50% · 4.625%
HK$28,718
+HK$1,438/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$54,560/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$382,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,917
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$28,786
−HK$882/mo
Today · 4.125%
HK$29,668
baseline
▲ 0.50% · 4.625%
HK$31,473
+HK$1,805/mo
Deposit HK$4.08M · loan HK$6.12M · min. income ≈ HK$59,336/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,058
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$31,891
−HK$845/mo
Today · 4.125%
HK$32,736
baseline
▲ 0.50% · 4.625%
HK$34,461
+HK$1,725/mo
Deposit HK$4.08M · loan HK$6.12M · min. income ≈ HK$65,472/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,570
−HK$2,043/mo
▼ 0.25% · 3.875%
HK$33,583
−HK$1,030/mo
Today · 4.125%
HK$34,613
baseline
▲ 0.50% · 4.625%
HK$36,719
+HK$2,106/mo
Deposit HK$3.06M · loan HK$7.14M · min. income ≈ HK$69,226/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,234
−HK$1,958/mo
▼ 0.25% · 3.875%
HK$37,206
−HK$986/mo
Today · 4.125%
HK$38,192
baseline
▲ 0.50% · 4.625%
HK$40,205
+HK$2,013/mo
Deposit HK$3.06M · loan HK$7.14M · min. income ≈ HK$76,384/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,876
−HK$2,626/mo
▼ 0.25% · 3.875%
HK$43,179
−HK$1,323/mo
Today · 4.125%
HK$44,502
baseline
▲ 0.50% · 4.625%
HK$47,210
+HK$2,708/mo
Deposit HK$1.02M · loan HK$9.18M · min. income ≈ HK$89,004/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,587
−HK$2,517/mo
▼ 0.25% · 3.875%
HK$47,836
−HK$1,268/mo
Today · 4.125%
HK$49,104
baseline
▲ 0.50% · 4.625%
HK$51,692
+HK$2,588/mo
Deposit HK$1.02M · loan HK$9.18M · min. income ≈ HK$98,208/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,597 · Scale 2, in force from 26 Feb 2026)