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$23,247
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$23,970
−HK$735/mo
Today · 4.125%
HK$24,705
baseline
▲ 0.50% · 4.625%
HK$26,208
+HK$1,503/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$49,410/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$382,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,862
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$26,556
−HK$703/mo
Today · 4.125%
HK$27,259
baseline
▲ 0.50% · 4.625%
HK$28,696
+HK$1,437/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$54,518/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$382,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,897
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$28,764
−HK$882/mo
Today · 4.125%
HK$29,646
baseline
▲ 0.50% · 4.625%
HK$31,450
+HK$1,804/mo
Deposit HK$4.08M · loan HK$6.12M · min. income ≈ HK$59,292/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,035
−HK$1,676/mo
▼ 0.25% · 3.875%
HK$31,867
−HK$844/mo
Today · 4.125%
HK$32,711
baseline
▲ 0.50% · 4.625%
HK$34,436
+HK$1,725/mo
Deposit HK$4.08M · loan HK$6.12M · min. income ≈ HK$65,422/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,546
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$33,558
−HK$1,029/mo
Today · 4.125%
HK$34,587
baseline
▲ 0.50% · 4.625%
HK$36,691
+HK$2,104/mo
Deposit HK$3.06M · loan HK$7.14M · min. income ≈ HK$69,174/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,207
−HK$1,956/mo
▼ 0.25% · 3.875%
HK$37,178
−HK$985/mo
Today · 4.125%
HK$38,163
baseline
▲ 0.50% · 4.625%
HK$40,175
+HK$2,012/mo
Deposit HK$3.06M · loan HK$7.14M · min. income ≈ HK$76,326/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,845
−HK$2,624/mo
▼ 0.25% · 3.875%
HK$43,146
−HK$1,323/mo
Today · 4.125%
HK$44,469
baseline
▲ 0.50% · 4.625%
HK$47,175
+HK$2,706/mo
Deposit HK$1.02M · loan HK$9.18M · min. income ≈ HK$88,938/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,552
−HK$2,515/mo
▼ 0.25% · 3.875%
HK$47,800
−HK$1,267/mo
Today · 4.125%
HK$49,067
baseline
▲ 0.50% · 4.625%
HK$51,653
+HK$2,586/mo
Deposit HK$1.02M · loan HK$9.18M · min. income ≈ HK$98,134/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,311 · Scale 2, in force from 26 Feb 2026)