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$23,247
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$23,971
−HK$734/mo
Today · 4.125%
HK$24,705
baseline
▲ 0.50% · 4.625%
HK$26,209
+HK$1,504/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$49,410/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$382,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,863
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$26,556
−HK$704/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$382,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,897
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$28,765
−HK$881/mo
Today · 4.125%
HK$29,646
baseline
▲ 0.50% · 4.625%
HK$31,450
+HK$1,804/mo
Deposit HK$4.08M · loan HK$6.12M · min. income ≈ HK$59,292/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,035
−HK$1,677/mo
▼ 0.25% · 3.875%
HK$31,867
−HK$845/mo
Today · 4.125%
HK$32,712
baseline
▲ 0.50% · 4.625%
HK$34,436
+HK$1,724/mo
Deposit HK$4.08M · loan HK$6.12M · min. income ≈ HK$65,424/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,546
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$33,559
−HK$1,028/mo
Today · 4.125%
HK$34,587
baseline
▲ 0.50% · 4.625%
HK$36,692
+HK$2,105/mo
Deposit HK$3.06M · loan HK$7.14M · min. income ≈ HK$69,174/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,208
−HK$1,956/mo
▼ 0.25% · 3.875%
HK$37,179
−HK$985/mo
Today · 4.125%
HK$38,164
baseline
▲ 0.50% · 4.625%
HK$40,175
+HK$2,011/mo
Deposit HK$3.06M · loan HK$7.14M · min. income ≈ HK$76,328/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,845
−HK$2,624/mo
▼ 0.25% · 3.875%
HK$43,147
−HK$1,322/mo
Today · 4.125%
HK$44,469
baseline
▲ 0.50% · 4.625%
HK$47,175
+HK$2,706/mo
Deposit HK$1.02M · loan HK$9.18M · min. income ≈ HK$88,938/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,553
−HK$2,515/mo
▼ 0.25% · 3.875%
HK$47,801
−HK$1,267/mo
Today · 4.125%
HK$49,068
baseline
▲ 0.50% · 4.625%
HK$51,654
+HK$2,586/mo
Deposit HK$1.02M · loan HK$9.18M · min. income ≈ HK$98,136/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,317 · Scale 2, in force from 26 Feb 2026)