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$23,279
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$24,003
−HK$736/mo
Today · 4.125%
HK$24,739
baseline
▲ 0.50% · 4.625%
HK$26,244
+HK$1,505/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$49,478/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$382,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,898
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$26,592
−HK$705/mo
Today · 4.125%
HK$27,297
baseline
▲ 0.50% · 4.625%
HK$28,736
+HK$1,439/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$54,594/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$382,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,935
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$28,804
−HK$882/mo
Today · 4.125%
HK$29,686
baseline
▲ 0.50% · 4.625%
HK$31,493
+HK$1,807/mo
Deposit HK$4.08M · loan HK$6.13M · min. income ≈ HK$59,372/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$382,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,077
−HK$1,679/mo
▼ 0.25% · 3.875%
HK$31,911
−HK$845/mo
Today · 4.125%
HK$32,756
baseline
▲ 0.50% · 4.625%
HK$34,483
+HK$1,727/mo
Deposit HK$4.08M · loan HK$6.13M · min. income ≈ HK$65,512/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$382,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,591
−HK$2,043/mo
▼ 0.25% · 3.875%
HK$33,604
−HK$1,030/mo
Today · 4.125%
HK$34,634
baseline
▲ 0.50% · 4.625%
HK$36,742
+HK$2,108/mo
Deposit HK$3.06M · loan HK$7.15M · min. income ≈ HK$69,268/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$382,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,257
−HK$1,958/mo
▼ 0.25% · 3.875%
HK$37,229
−HK$986/mo
Today · 4.125%
HK$38,215
baseline
▲ 0.50% · 4.625%
HK$40,230
+HK$2,015/mo
Deposit HK$3.06M · loan HK$7.15M · min. income ≈ HK$76,430/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$382,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,902
−HK$2,628/mo
▼ 0.25% · 3.875%
HK$43,205
−HK$1,325/mo
Today · 4.125%
HK$44,530
baseline
▲ 0.50% · 4.625%
HK$47,239
+HK$2,709/mo
Deposit HK$1.02M · loan HK$9.19M · min. income ≈ HK$89,060/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,616
−HK$2,518/mo
▼ 0.25% · 3.875%
HK$47,866
−HK$1,268/mo
Today · 4.125%
HK$49,134
baseline
▲ 0.50% · 4.625%
HK$51,724
+HK$2,590/mo
Deposit HK$1.02M · loan HK$9.19M · min. income ≈ HK$98,268/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,835 · Scale 2, in force from 26 Feb 2026)