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$23,243
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$23,966
−HK$735/mo
Today · 4.125%
HK$24,701
baseline
▲ 0.50% · 4.625%
HK$26,204
+HK$1,503/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$49,402/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$382,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,858
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$26,551
−HK$704/mo
Today · 4.125%
HK$27,255
baseline
▲ 0.50% · 4.625%
HK$28,691
+HK$1,436/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$54,510/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$382,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,892
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$28,759
−HK$882/mo
Today · 4.125%
HK$29,641
baseline
▲ 0.50% · 4.625%
HK$31,444
+HK$1,803/mo
Deposit HK$4.08M · loan HK$6.12M · min. income ≈ HK$59,282/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,029
−HK$1,677/mo
▼ 0.25% · 3.875%
HK$31,861
−HK$845/mo
Today · 4.125%
HK$32,706
baseline
▲ 0.50% · 4.625%
HK$34,430
+HK$1,724/mo
Deposit HK$4.08M · loan HK$6.12M · min. income ≈ HK$65,412/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,540
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$33,552
−HK$1,029/mo
Today · 4.125%
HK$34,581
baseline
▲ 0.50% · 4.625%
HK$36,685
+HK$2,104/mo
Deposit HK$3.06M · loan HK$7.14M · min. income ≈ HK$69,162/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,201
−HK$1,956/mo
▼ 0.25% · 3.875%
HK$37,172
−HK$985/mo
Today · 4.125%
HK$38,157
baseline
▲ 0.50% · 4.625%
HK$40,168
+HK$2,011/mo
Deposit HK$3.06M · loan HK$7.14M · min. income ≈ HK$76,314/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,837
−HK$2,624/mo
▼ 0.25% · 3.875%
HK$43,139
−HK$1,322/mo
Today · 4.125%
HK$44,461
baseline
▲ 0.50% · 4.625%
HK$47,166
+HK$2,705/mo
Deposit HK$1.02M · loan HK$9.17M · min. income ≈ HK$88,922/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,544
−HK$2,514/mo
▼ 0.25% · 3.875%
HK$47,792
−HK$1,266/mo
Today · 4.125%
HK$49,058
baseline
▲ 0.50% · 4.625%
HK$51,644
+HK$2,586/mo
Deposit HK$1.02M · loan HK$9.17M · min. income ≈ HK$98,116/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,245 · Scale 2, in force from 26 Feb 2026)