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$23,245
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$23,968
−HK$735/mo
Today · 4.125%
HK$24,703
baseline
▲ 0.50% · 4.625%
HK$26,206
+HK$1,503/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$49,406/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$382,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,860
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$26,554
−HK$703/mo
Today · 4.125%
HK$27,257
baseline
▲ 0.50% · 4.625%
HK$28,694
+HK$1,437/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$54,514/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$382,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,894
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$28,762
−HK$882/mo
Today · 4.125%
HK$29,644
baseline
▲ 0.50% · 4.625%
HK$31,447
+HK$1,803/mo
Deposit HK$4.08M · loan HK$6.12M · min. income ≈ HK$59,288/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,032
−HK$1,677/mo
▼ 0.25% · 3.875%
HK$31,864
−HK$845/mo
Today · 4.125%
HK$32,709
baseline
▲ 0.50% · 4.625%
HK$34,433
+HK$1,724/mo
Deposit HK$4.08M · loan HK$6.12M · min. income ≈ HK$65,418/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,543
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$33,556
−HK$1,028/mo
Today · 4.125%
HK$34,584
baseline
▲ 0.50% · 4.625%
HK$36,688
+HK$2,104/mo
Deposit HK$3.06M · loan HK$7.14M · min. income ≈ HK$69,168/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,204
−HK$1,956/mo
▼ 0.25% · 3.875%
HK$37,175
−HK$985/mo
Today · 4.125%
HK$38,160
baseline
▲ 0.50% · 4.625%
HK$40,172
+HK$2,012/mo
Deposit HK$3.06M · loan HK$7.14M · min. income ≈ HK$76,320/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,841
−HK$2,624/mo
▼ 0.25% · 3.875%
HK$43,143
−HK$1,322/mo
Today · 4.125%
HK$44,465
baseline
▲ 0.50% · 4.625%
HK$47,171
+HK$2,706/mo
Deposit HK$1.02M · loan HK$9.17M · min. income ≈ HK$88,930/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,548
−HK$2,515/mo
▼ 0.25% · 3.875%
HK$47,797
−HK$1,266/mo
Today · 4.125%
HK$49,063
baseline
▲ 0.50% · 4.625%
HK$51,649
+HK$2,586/mo
Deposit HK$1.02M · loan HK$9.17M · min. income ≈ HK$98,126/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,281 · Scale 2, in force from 26 Feb 2026)