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$23,276
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$24,000
−HK$735/mo
Today · 4.125%
HK$24,735
baseline
▲ 0.50% · 4.625%
HK$26,241
+HK$1,506/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$49,470/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$382,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,894
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$26,589
−HK$704/mo
Today · 4.125%
HK$27,293
baseline
▲ 0.50% · 4.625%
HK$28,732
+HK$1,439/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$54,586/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$382,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,931
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$28,800
−HK$882/mo
Today · 4.125%
HK$29,682
baseline
▲ 0.50% · 4.625%
HK$31,489
+HK$1,807/mo
Deposit HK$4.08M · loan HK$6.12M · min. income ≈ HK$59,364/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$382,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,073
−HK$1,679/mo
▼ 0.25% · 3.875%
HK$31,906
−HK$846/mo
Today · 4.125%
HK$32,752
baseline
▲ 0.50% · 4.625%
HK$34,478
+HK$1,726/mo
Deposit HK$4.08M · loan HK$6.12M · min. income ≈ HK$65,504/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$382,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,586
−HK$2,044/mo
▼ 0.25% · 3.875%
HK$33,600
−HK$1,030/mo
Today · 4.125%
HK$34,630
baseline
▲ 0.50% · 4.625%
HK$36,737
+HK$2,107/mo
Deposit HK$3.06M · loan HK$7.15M · min. income ≈ HK$69,260/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$382,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,252
−HK$1,958/mo
▼ 0.25% · 3.875%
HK$37,224
−HK$986/mo
Today · 4.125%
HK$38,210
baseline
▲ 0.50% · 4.625%
HK$40,224
+HK$2,014/mo
Deposit HK$3.06M · loan HK$7.15M · min. income ≈ HK$76,420/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$382,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,896
−HK$2,628/mo
▼ 0.25% · 3.875%
HK$43,200
−HK$1,324/mo
Today · 4.125%
HK$44,524
baseline
▲ 0.50% · 4.625%
HK$47,233
+HK$2,709/mo
Deposit HK$1.02M · loan HK$9.19M · min. income ≈ HK$89,048/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,609
−HK$2,519/mo
▼ 0.25% · 3.875%
HK$47,859
−HK$1,269/mo
Today · 4.125%
HK$49,128
baseline
▲ 0.50% · 4.625%
HK$51,717
+HK$2,589/mo
Deposit HK$1.02M · loan HK$9.19M · min. income ≈ HK$98,256/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,783 · Scale 2, in force from 26 Feb 2026)