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$23,240
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$23,963
−HK$735/mo
Today · 4.125%
HK$24,698
baseline
▲ 0.50% · 4.625%
HK$26,200
+HK$1,502/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$49,396/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$382,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,854
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$26,548
−HK$703/mo
Today · 4.125%
HK$27,251
baseline
▲ 0.50% · 4.625%
HK$28,688
+HK$1,437/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$54,502/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$382,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,888
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$28,756
−HK$881/mo
Today · 4.125%
HK$29,637
baseline
▲ 0.50% · 4.625%
HK$31,440
+HK$1,803/mo
Deposit HK$4.08M · loan HK$6.12M · min. income ≈ HK$59,274/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,025
−HK$1,677/mo
▼ 0.25% · 3.875%
HK$31,857
−HK$845/mo
Today · 4.125%
HK$32,702
baseline
▲ 0.50% · 4.625%
HK$34,425
+HK$1,723/mo
Deposit HK$4.08M · loan HK$6.12M · min. income ≈ HK$65,404/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,536
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$33,548
−HK$1,029/mo
Today · 4.125%
HK$34,577
baseline
▲ 0.50% · 4.625%
HK$36,680
+HK$2,103/mo
Deposit HK$3.06M · loan HK$7.13M · min. income ≈ HK$69,154/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,196
−HK$1,956/mo
▼ 0.25% · 3.875%
HK$37,167
−HK$985/mo
Today · 4.125%
HK$38,152
baseline
▲ 0.50% · 4.625%
HK$40,163
+HK$2,011/mo
Deposit HK$3.06M · loan HK$7.13M · min. income ≈ HK$76,304/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,832
−HK$2,624/mo
▼ 0.25% · 3.875%
HK$43,134
−HK$1,322/mo
Today · 4.125%
HK$44,456
baseline
▲ 0.50% · 4.625%
HK$47,161
+HK$2,705/mo
Deposit HK$1.02M · loan HK$9.17M · min. income ≈ HK$88,912/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,538
−HK$2,514/mo
▼ 0.25% · 3.875%
HK$47,786
−HK$1,266/mo
Today · 4.125%
HK$49,052
baseline
▲ 0.50% · 4.625%
HK$51,638
+HK$2,586/mo
Deposit HK$1.02M · loan HK$9.17M · min. income ≈ HK$98,104/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,197 · Scale 2, in force from 26 Feb 2026)