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$23,241
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$23,964
−HK$734/mo
Today · 4.125%
HK$24,698
baseline
▲ 0.50% · 4.625%
HK$26,201
+HK$1,503/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$382,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,855
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$26,548
−HK$704/mo
Today · 4.125%
HK$27,252
baseline
▲ 0.50% · 4.625%
HK$28,688
+HK$1,436/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$54,504/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$382,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,889
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$28,756
−HK$882/mo
Today · 4.125%
HK$29,638
baseline
▲ 0.50% · 4.625%
HK$31,441
+HK$1,803/mo
Deposit HK$4.08M · loan HK$6.12M · min. income ≈ HK$59,276/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,026
−HK$1,676/mo
▼ 0.25% · 3.875%
HK$31,858
−HK$844/mo
Today · 4.125%
HK$32,702
baseline
▲ 0.50% · 4.625%
HK$34,426
+HK$1,724/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$382,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,537
−HK$2,040/mo
▼ 0.25% · 3.875%
HK$33,549
−HK$1,028/mo
Today · 4.125%
HK$34,577
baseline
▲ 0.50% · 4.625%
HK$36,681
+HK$2,104/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$382,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,197
−HK$1,956/mo
▼ 0.25% · 3.875%
HK$37,168
−HK$985/mo
Today · 4.125%
HK$38,153
baseline
▲ 0.50% · 4.625%
HK$40,164
+HK$2,011/mo
Deposit HK$3.06M · loan HK$7.13M · min. income ≈ HK$76,306/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,833
−HK$2,623/mo
▼ 0.25% · 3.875%
HK$43,134
−HK$1,322/mo
Today · 4.125%
HK$44,456
baseline
▲ 0.50% · 4.625%
HK$47,162
+HK$2,706/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$382,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,539
−HK$2,514/mo
▼ 0.25% · 3.875%
HK$47,787
−HK$1,266/mo
Today · 4.125%
HK$49,053
baseline
▲ 0.50% · 4.625%
HK$51,639
+HK$2,586/mo
Deposit HK$1.02M · loan HK$9.17M · min. income ≈ HK$98,106/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,205 · Scale 2, in force from 26 Feb 2026)