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$23,244
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$23,967
−HK$735/mo
Today · 4.125%
HK$24,702
baseline
▲ 0.50% · 4.625%
HK$26,205
+HK$1,503/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$49,404/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$382,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,859
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$26,553
−HK$703/mo
Today · 4.125%
HK$27,256
baseline
▲ 0.50% · 4.625%
HK$28,693
+HK$1,437/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$54,512/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$382,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,893
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$28,761
−HK$881/mo
Today · 4.125%
HK$29,642
baseline
▲ 0.50% · 4.625%
HK$31,446
+HK$1,804/mo
Deposit HK$4.08M · loan HK$6.12M · min. income ≈ HK$59,284/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,031
−HK$1,676/mo
▼ 0.25% · 3.875%
HK$31,863
−HK$844/mo
Today · 4.125%
HK$32,707
baseline
▲ 0.50% · 4.625%
HK$34,431
+HK$1,724/mo
Deposit HK$4.08M · loan HK$6.12M · min. income ≈ HK$65,414/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,542
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$33,554
−HK$1,029/mo
Today · 4.125%
HK$34,583
baseline
▲ 0.50% · 4.625%
HK$36,687
+HK$2,104/mo
Deposit HK$3.06M · loan HK$7.14M · min. income ≈ HK$69,166/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,203
−HK$1,956/mo
▼ 0.25% · 3.875%
HK$37,174
−HK$985/mo
Today · 4.125%
HK$38,159
baseline
▲ 0.50% · 4.625%
HK$40,170
+HK$2,011/mo
Deposit HK$3.06M · loan HK$7.14M · min. income ≈ HK$76,318/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,840
−HK$2,623/mo
▼ 0.25% · 3.875%
HK$43,141
−HK$1,322/mo
Today · 4.125%
HK$44,463
baseline
▲ 0.50% · 4.625%
HK$47,169
+HK$2,706/mo
Deposit HK$1.02M · loan HK$9.17M · min. income ≈ HK$88,926/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,546
−HK$2,515/mo
▼ 0.25% · 3.875%
HK$47,795
−HK$1,266/mo
Today · 4.125%
HK$49,061
baseline
▲ 0.50% · 4.625%
HK$51,647
+HK$2,586/mo
Deposit HK$1.02M · loan HK$9.17M · min. income ≈ HK$98,122/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,264 · Scale 2, in force from 26 Feb 2026)