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$23,252
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$23,976
−HK$734/mo
Today · 4.125%
HK$24,710
baseline
▲ 0.50% · 4.625%
HK$26,214
+HK$1,504/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$49,420/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$382,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,868
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$26,562
−HK$703/mo
Today · 4.125%
HK$27,265
baseline
▲ 0.50% · 4.625%
HK$28,703
+HK$1,438/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$54,530/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$382,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,903
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$28,771
−HK$881/mo
Today · 4.125%
HK$29,652
baseline
▲ 0.50% · 4.625%
HK$31,457
+HK$1,805/mo
Deposit HK$4.08M · loan HK$6.12M · min. income ≈ HK$59,304/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,041
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$31,874
−HK$845/mo
Today · 4.125%
HK$32,719
baseline
▲ 0.50% · 4.625%
HK$34,443
+HK$1,724/mo
Deposit HK$4.08M · loan HK$6.12M · min. income ≈ HK$65,438/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,553
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$33,566
−HK$1,028/mo
Today · 4.125%
HK$34,594
baseline
▲ 0.50% · 4.625%
HK$36,699
+HK$2,105/mo
Deposit HK$3.06M · loan HK$7.14M · min. income ≈ HK$69,188/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,215
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$37,186
−HK$986/mo
Today · 4.125%
HK$38,172
baseline
▲ 0.50% · 4.625%
HK$40,184
+HK$2,012/mo
Deposit HK$3.06M · loan HK$7.14M · min. income ≈ HK$76,344/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,854
−HK$2,625/mo
▼ 0.25% · 3.875%
HK$43,156
−HK$1,323/mo
Today · 4.125%
HK$44,479
baseline
▲ 0.50% · 4.625%
HK$47,185
+HK$2,706/mo
Deposit HK$1.02M · loan HK$9.18M · min. income ≈ HK$88,958/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,562
−HK$2,516/mo
▼ 0.25% · 3.875%
HK$47,811
−HK$1,267/mo
Today · 4.125%
HK$49,078
baseline
▲ 0.50% · 4.625%
HK$51,665
+HK$2,587/mo
Deposit HK$1.02M · loan HK$9.18M · min. income ≈ HK$98,156/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,395 · Scale 2, in force from 26 Feb 2026)