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$23,236
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$23,959
−HK$734/mo
Today · 4.125%
HK$24,693
baseline
▲ 0.50% · 4.625%
HK$26,196
+HK$1,503/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$49,386/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$382,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,850
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$26,543
−HK$704/mo
Today · 4.125%
HK$27,247
baseline
▲ 0.50% · 4.625%
HK$28,683
+HK$1,436/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$54,494/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$382,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,884
−HK$1,748/mo
▼ 0.25% · 3.875%
HK$28,751
−HK$881/mo
Today · 4.125%
HK$29,632
baseline
▲ 0.50% · 4.625%
HK$31,435
+HK$1,803/mo
Deposit HK$4.08M · loan HK$6.11M · min. income ≈ HK$59,264/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,020
−HK$1,676/mo
▼ 0.25% · 3.875%
HK$31,852
−HK$844/mo
Today · 4.125%
HK$32,696
baseline
▲ 0.50% · 4.625%
HK$34,420
+HK$1,724/mo
Deposit HK$4.08M · loan HK$6.11M · min. income ≈ HK$65,392/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,531
−HK$2,040/mo
▼ 0.25% · 3.875%
HK$33,543
−HK$1,028/mo
Today · 4.125%
HK$34,571
baseline
▲ 0.50% · 4.625%
HK$36,674
+HK$2,103/mo
Deposit HK$3.06M · loan HK$7.13M · min. income ≈ HK$69,142/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,190
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$37,161
−HK$984/mo
Today · 4.125%
HK$38,145
baseline
▲ 0.50% · 4.625%
HK$40,156
+HK$2,011/mo
Deposit HK$3.06M · loan HK$7.13M · min. income ≈ HK$76,290/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,825
−HK$2,623/mo
▼ 0.25% · 3.875%
HK$43,126
−HK$1,322/mo
Today · 4.125%
HK$44,448
baseline
▲ 0.50% · 4.625%
HK$47,153
+HK$2,705/mo
Deposit HK$1.02M · loan HK$9.17M · min. income ≈ HK$88,896/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,530
−HK$2,514/mo
▼ 0.25% · 3.875%
HK$47,778
−HK$1,266/mo
Today · 4.125%
HK$49,044
baseline
▲ 0.50% · 4.625%
HK$51,629
+HK$2,585/mo
Deposit HK$1.02M · loan HK$9.17M · min. income ≈ HK$98,088/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,133 · Scale 2, in force from 26 Feb 2026)