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$23,267
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$23,991
−HK$735/mo
Today · 4.125%
HK$24,726
baseline
▲ 0.50% · 4.625%
HK$26,231
+HK$1,505/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$49,452/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$382,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,884
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$26,579
−HK$704/mo
Today · 4.125%
HK$27,283
baseline
▲ 0.50% · 4.625%
HK$28,721
+HK$1,438/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$54,566/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$382,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,921
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$28,789
−HK$882/mo
Today · 4.125%
HK$29,671
baseline
▲ 0.50% · 4.625%
HK$31,477
+HK$1,806/mo
Deposit HK$4.08M · loan HK$6.12M · min. income ≈ HK$59,342/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,061
−HK$1,679/mo
▼ 0.25% · 3.875%
HK$31,894
−HK$846/mo
Today · 4.125%
HK$32,740
baseline
▲ 0.50% · 4.625%
HK$34,465
+HK$1,725/mo
Deposit HK$4.08M · loan HK$6.12M · min. income ≈ HK$65,480/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,574
−HK$2,043/mo
▼ 0.25% · 3.875%
HK$33,587
−HK$1,030/mo
Today · 4.125%
HK$34,617
baseline
▲ 0.50% · 4.625%
HK$36,723
+HK$2,106/mo
Deposit HK$3.06M · loan HK$7.14M · min. income ≈ HK$69,234/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,238
−HK$1,958/mo
▼ 0.25% · 3.875%
HK$37,210
−HK$986/mo
Today · 4.125%
HK$38,196
baseline
▲ 0.50% · 4.625%
HK$40,209
+HK$2,013/mo
Deposit HK$3.06M · loan HK$7.14M · min. income ≈ HK$76,392/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,881
−HK$2,626/mo
▼ 0.25% · 3.875%
HK$43,184
−HK$1,323/mo
Today · 4.125%
HK$44,507
baseline
▲ 0.50% · 4.625%
HK$47,215
+HK$2,708/mo
Deposit HK$1.02M · loan HK$9.18M · min. income ≈ HK$89,014/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,592
−HK$2,517/mo
▼ 0.25% · 3.875%
HK$47,842
−HK$1,267/mo
Today · 4.125%
HK$49,109
baseline
▲ 0.50% · 4.625%
HK$51,698
+HK$2,589/mo
Deposit HK$1.02M · loan HK$9.18M · min. income ≈ HK$98,218/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,641 · Scale 2, in force from 26 Feb 2026)