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$23,280
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$24,004
−HK$736/mo
Today · 4.125%
HK$24,740
baseline
▲ 0.50% · 4.625%
HK$26,245
+HK$1,505/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$49,480/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$382,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,898
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$26,593
−HK$705/mo
Today · 4.125%
HK$27,298
baseline
▲ 0.50% · 4.625%
HK$28,737
+HK$1,439/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$54,596/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$382,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,936
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$28,805
−HK$882/mo
Today · 4.125%
HK$29,687
baseline
▲ 0.50% · 4.625%
HK$31,494
+HK$1,807/mo
Deposit HK$4.08M · loan HK$6.13M · min. income ≈ HK$59,374/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$382,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,078
−HK$1,679/mo
▼ 0.25% · 3.875%
HK$31,912
−HK$845/mo
Today · 4.125%
HK$32,757
baseline
▲ 0.50% · 4.625%
HK$34,484
+HK$1,727/mo
Deposit HK$4.08M · loan HK$6.13M · min. income ≈ HK$65,514/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$382,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,592
−HK$2,043/mo
▼ 0.25% · 3.875%
HK$33,605
−HK$1,030/mo
Today · 4.125%
HK$34,635
baseline
▲ 0.50% · 4.625%
HK$36,743
+HK$2,108/mo
Deposit HK$3.06M · loan HK$7.15M · min. income ≈ HK$69,270/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$382,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,258
−HK$1,959/mo
▼ 0.25% · 3.875%
HK$37,230
−HK$987/mo
Today · 4.125%
HK$38,217
baseline
▲ 0.50% · 4.625%
HK$40,231
+HK$2,014/mo
Deposit HK$3.06M · loan HK$7.15M · min. income ≈ HK$76,434/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$382,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,904
−HK$2,627/mo
▼ 0.25% · 3.875%
HK$43,207
−HK$1,324/mo
Today · 4.125%
HK$44,531
baseline
▲ 0.50% · 4.625%
HK$47,241
+HK$2,710/mo
Deposit HK$1.02M · loan HK$9.19M · min. income ≈ HK$89,062/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,617
−HK$2,519/mo
▼ 0.25% · 3.875%
HK$47,868
−HK$1,268/mo
Today · 4.125%
HK$49,136
baseline
▲ 0.50% · 4.625%
HK$51,726
+HK$2,590/mo
Deposit HK$1.02M · loan HK$9.19M · min. income ≈ HK$98,272/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,848 · Scale 2, in force from 26 Feb 2026)