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$23,242
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$23,965
−HK$734/mo
Today · 4.125%
HK$24,699
baseline
▲ 0.50% · 4.625%
HK$26,202
+HK$1,503/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$49,398/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$382,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,856
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$26,550
−HK$703/mo
Today · 4.125%
HK$27,253
baseline
▲ 0.50% · 4.625%
HK$28,690
+HK$1,437/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$54,506/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$382,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,890
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$28,757
−HK$882/mo
Today · 4.125%
HK$29,639
baseline
▲ 0.50% · 4.625%
HK$31,442
+HK$1,803/mo
Deposit HK$4.08M · loan HK$6.12M · min. income ≈ HK$59,278/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,027
−HK$1,677/mo
▼ 0.25% · 3.875%
HK$31,859
−HK$845/mo
Today · 4.125%
HK$32,704
baseline
▲ 0.50% · 4.625%
HK$34,427
+HK$1,723/mo
Deposit HK$4.08M · loan HK$6.12M · min. income ≈ HK$65,408/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,538
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$33,550
−HK$1,029/mo
Today · 4.125%
HK$34,579
baseline
▲ 0.50% · 4.625%
HK$36,683
+HK$2,104/mo
Deposit HK$3.06M · loan HK$7.13M · min. income ≈ HK$69,158/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,198
−HK$1,956/mo
▼ 0.25% · 3.875%
HK$37,169
−HK$985/mo
Today · 4.125%
HK$38,154
baseline
▲ 0.50% · 4.625%
HK$40,165
+HK$2,011/mo
Deposit HK$3.06M · loan HK$7.13M · min. income ≈ HK$76,308/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,835
−HK$2,623/mo
▼ 0.25% · 3.875%
HK$43,136
−HK$1,322/mo
Today · 4.125%
HK$44,458
baseline
▲ 0.50% · 4.625%
HK$47,164
+HK$2,706/mo
Deposit HK$1.02M · loan HK$9.17M · min. income ≈ HK$88,916/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,541
−HK$2,514/mo
▼ 0.25% · 3.875%
HK$47,789
−HK$1,266/mo
Today · 4.125%
HK$49,055
baseline
▲ 0.50% · 4.625%
HK$51,641
+HK$2,586/mo
Deposit HK$1.02M · loan HK$9.17M · min. income ≈ HK$98,110/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,221 · Scale 2, in force from 26 Feb 2026)