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$23,268
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$23,992
−HK$735/mo
Today · 4.125%
HK$24,727
baseline
▲ 0.50% · 4.625%
HK$26,232
+HK$1,505/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$49,454/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$382,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,885
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$26,580
−HK$704/mo
Today · 4.125%
HK$27,284
baseline
▲ 0.50% · 4.625%
HK$28,722
+HK$1,438/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$54,568/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$382,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,922
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$28,790
−HK$882/mo
Today · 4.125%
HK$29,672
baseline
▲ 0.50% · 4.625%
HK$31,478
+HK$1,806/mo
Deposit HK$4.08M · loan HK$6.12M · min. income ≈ HK$59,344/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,062
−HK$1,679/mo
▼ 0.25% · 3.875%
HK$31,896
−HK$845/mo
Today · 4.125%
HK$32,741
baseline
▲ 0.50% · 4.625%
HK$34,466
+HK$1,725/mo
Deposit HK$4.08M · loan HK$6.12M · min. income ≈ HK$65,482/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,575
−HK$2,043/mo
▼ 0.25% · 3.875%
HK$33,588
−HK$1,030/mo
Today · 4.125%
HK$34,618
baseline
▲ 0.50% · 4.625%
HK$36,724
+HK$2,106/mo
Deposit HK$3.06M · loan HK$7.14M · min. income ≈ HK$69,236/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,240
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$37,211
−HK$986/mo
Today · 4.125%
HK$38,197
baseline
▲ 0.50% · 4.625%
HK$40,211
+HK$2,014/mo
Deposit HK$3.06M · loan HK$7.14M · min. income ≈ HK$76,394/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,882
−HK$2,627/mo
▼ 0.25% · 3.875%
HK$43,185
−HK$1,324/mo
Today · 4.125%
HK$44,509
baseline
▲ 0.50% · 4.625%
HK$47,217
+HK$2,708/mo
Deposit HK$1.02M · loan HK$9.18M · min. income ≈ HK$89,018/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,594
−HK$2,517/mo
▼ 0.25% · 3.875%
HK$47,843
−HK$1,268/mo
Today · 4.125%
HK$49,111
baseline
▲ 0.50% · 4.625%
HK$51,700
+HK$2,589/mo
Deposit HK$1.02M · loan HK$9.18M · min. income ≈ HK$98,222/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,654 · Scale 2, in force from 26 Feb 2026)