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$1,457/mo
▼ 0.25% · 3.875%
HK$23,970
−HK$734/mo
Today · 4.125%
HK$24,704
baseline
▲ 0.50% · 4.625%
HK$26,208
+HK$1,504/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$49,408/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$382,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,862
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$26,555
−HK$704/mo
Today · 4.125%
HK$27,259
baseline
▲ 0.50% · 4.625%
HK$28,696
+HK$1,437/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$54,518/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$382,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,896
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$28,764
−HK$881/mo
Today · 4.125%
HK$29,645
baseline
▲ 0.50% · 4.625%
HK$31,449
+HK$1,804/mo
Deposit HK$4.08M · loan HK$6.12M · min. income ≈ HK$59,290/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,034
−HK$1,677/mo
▼ 0.25% · 3.875%
HK$31,866
−HK$845/mo
Today · 4.125%
HK$32,711
baseline
▲ 0.50% · 4.625%
HK$34,435
+HK$1,724/mo
Deposit HK$4.08M · loan HK$6.12M · min. income ≈ HK$65,422/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,545
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$33,558
−HK$1,028/mo
Today · 4.125%
HK$34,586
baseline
▲ 0.50% · 4.625%
HK$36,691
+HK$2,105/mo
Deposit HK$3.06M · loan HK$7.14M · min. income ≈ HK$69,172/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,206
−HK$1,956/mo
▼ 0.25% · 3.875%
HK$37,177
−HK$985/mo
Today · 4.125%
HK$38,162
baseline
▲ 0.50% · 4.625%
HK$40,174
+HK$2,012/mo
Deposit HK$3.06M · loan HK$7.14M · min. income ≈ HK$76,324/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,844
−HK$2,624/mo
▼ 0.25% · 3.875%
HK$43,145
−HK$1,323/mo
Today · 4.125%
HK$44,468
baseline
▲ 0.50% · 4.625%
HK$47,174
+HK$2,706/mo
Deposit HK$1.02M · loan HK$9.18M · min. income ≈ HK$88,936/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,551
−HK$2,515/mo
▼ 0.25% · 3.875%
HK$47,799
−HK$1,267/mo
Today · 4.125%
HK$49,066
baseline
▲ 0.50% · 4.625%
HK$51,652
+HK$2,586/mo
Deposit HK$1.02M · loan HK$9.18M · min. income ≈ HK$98,132/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,302 · Scale 2, in force from 26 Feb 2026)