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$23,277
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$24,001
−HK$736/mo
Today · 4.125%
HK$24,737
baseline
▲ 0.50% · 4.625%
HK$26,242
+HK$1,505/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$49,474/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$382,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,895
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$26,590
−HK$705/mo
Today · 4.125%
HK$27,295
baseline
▲ 0.50% · 4.625%
HK$28,733
+HK$1,438/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$54,590/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$382,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,932
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$28,801
−HK$883/mo
Today · 4.125%
HK$29,684
baseline
▲ 0.50% · 4.625%
HK$31,490
+HK$1,806/mo
Deposit HK$4.08M · loan HK$6.12M · min. income ≈ HK$59,368/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$382,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,075
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$31,908
−HK$845/mo
Today · 4.125%
HK$32,753
baseline
▲ 0.50% · 4.625%
HK$34,480
+HK$1,727/mo
Deposit HK$4.08M · loan HK$6.12M · min. income ≈ HK$65,506/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$382,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,588
−HK$2,043/mo
▼ 0.25% · 3.875%
HK$33,601
−HK$1,030/mo
Today · 4.125%
HK$34,631
baseline
▲ 0.50% · 4.625%
HK$36,739
+HK$2,108/mo
Deposit HK$3.06M · loan HK$7.15M · min. income ≈ HK$69,262/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$382,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,254
−HK$1,958/mo
▼ 0.25% · 3.875%
HK$37,226
−HK$986/mo
Today · 4.125%
HK$38,212
baseline
▲ 0.50% · 4.625%
HK$40,227
+HK$2,015/mo
Deposit HK$3.06M · loan HK$7.15M · min. income ≈ HK$76,424/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$382,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,899
−HK$2,627/mo
▼ 0.25% · 3.875%
HK$43,202
−HK$1,324/mo
Today · 4.125%
HK$44,526
baseline
▲ 0.50% · 4.625%
HK$47,235
+HK$2,709/mo
Deposit HK$1.02M · loan HK$9.19M · min. income ≈ HK$89,052/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,612
−HK$2,518/mo
▼ 0.25% · 3.875%
HK$47,862
−HK$1,268/mo
Today · 4.125%
HK$49,130
baseline
▲ 0.50% · 4.625%
HK$51,720
+HK$2,590/mo
Deposit HK$1.02M · loan HK$9.19M · min. income ≈ HK$98,260/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,803 · Scale 2, in force from 26 Feb 2026)