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$23,254
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$23,977
−HK$735/mo
Today · 4.125%
HK$24,712
baseline
▲ 0.50% · 4.625%
HK$26,216
+HK$1,504/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$49,424/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$382,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,870
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$26,564
−HK$703/mo
Today · 4.125%
HK$27,267
baseline
▲ 0.50% · 4.625%
HK$28,705
+HK$1,438/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$54,534/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$382,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,905
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$28,773
−HK$882/mo
Today · 4.125%
HK$29,655
baseline
▲ 0.50% · 4.625%
HK$31,459
+HK$1,804/mo
Deposit HK$4.08M · loan HK$6.12M · min. income ≈ HK$59,310/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,044
−HK$1,677/mo
▼ 0.25% · 3.875%
HK$31,876
−HK$845/mo
Today · 4.125%
HK$32,721
baseline
▲ 0.50% · 4.625%
HK$34,446
+HK$1,725/mo
Deposit HK$4.08M · loan HK$6.12M · min. income ≈ HK$65,442/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,555
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$33,568
−HK$1,029/mo
Today · 4.125%
HK$34,597
baseline
▲ 0.50% · 4.625%
HK$36,702
+HK$2,105/mo
Deposit HK$3.06M · loan HK$7.14M · min. income ≈ HK$69,194/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,218
−HK$1,956/mo
▼ 0.25% · 3.875%
HK$37,189
−HK$985/mo
Today · 4.125%
HK$38,174
baseline
▲ 0.50% · 4.625%
HK$40,187
+HK$2,013/mo
Deposit HK$3.06M · loan HK$7.14M · min. income ≈ HK$76,348/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,857
−HK$2,625/mo
▼ 0.25% · 3.875%
HK$43,159
−HK$1,323/mo
Today · 4.125%
HK$44,482
baseline
▲ 0.50% · 4.625%
HK$47,188
+HK$2,706/mo
Deposit HK$1.02M · loan HK$9.18M · min. income ≈ HK$88,964/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,566
−HK$2,515/mo
▼ 0.25% · 3.875%
HK$47,814
−HK$1,267/mo
Today · 4.125%
HK$49,081
baseline
▲ 0.50% · 4.625%
HK$51,668
+HK$2,587/mo
Deposit HK$1.02M · loan HK$9.18M · min. income ≈ HK$98,162/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,423 · Scale 2, in force from 26 Feb 2026)