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$23,273
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$23,997
−HK$735/mo
Today · 4.125%
HK$24,732
baseline
▲ 0.50% · 4.625%
HK$26,237
+HK$1,505/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$49,464/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$382,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,891
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$26,585
−HK$705/mo
Today · 4.125%
HK$27,290
baseline
▲ 0.50% · 4.625%
HK$28,728
+HK$1,438/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$54,580/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$382,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,927
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$28,796
−HK$883/mo
Today · 4.125%
HK$29,679
baseline
▲ 0.50% · 4.625%
HK$31,485
+HK$1,806/mo
Deposit HK$4.08M · loan HK$6.12M · min. income ≈ HK$59,358/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$382,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,069
−HK$1,679/mo
▼ 0.25% · 3.875%
HK$31,902
−HK$846/mo
Today · 4.125%
HK$32,748
baseline
▲ 0.50% · 4.625%
HK$34,474
+HK$1,726/mo
Deposit HK$4.08M · loan HK$6.12M · min. income ≈ HK$65,496/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$382,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,582
−HK$2,043/mo
▼ 0.25% · 3.875%
HK$33,595
−HK$1,030/mo
Today · 4.125%
HK$34,625
baseline
▲ 0.50% · 4.625%
HK$36,732
+HK$2,107/mo
Deposit HK$3.06M · loan HK$7.14M · min. income ≈ HK$69,250/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,247
−HK$1,958/mo
▼ 0.25% · 3.875%
HK$37,219
−HK$986/mo
Today · 4.125%
HK$38,205
baseline
▲ 0.50% · 4.625%
HK$40,219
+HK$2,014/mo
Deposit HK$3.06M · loan HK$7.14M · min. income ≈ HK$76,410/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,891
−HK$2,627/mo
▼ 0.25% · 3.875%
HK$43,194
−HK$1,324/mo
Today · 4.125%
HK$44,518
baseline
▲ 0.50% · 4.625%
HK$47,227
+HK$2,709/mo
Deposit HK$1.02M · loan HK$9.19M · min. income ≈ HK$89,036/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,603
−HK$2,518/mo
▼ 0.25% · 3.875%
HK$47,853
−HK$1,268/mo
Today · 4.125%
HK$49,121
baseline
▲ 0.50% · 4.625%
HK$51,711
+HK$2,590/mo
Deposit HK$1.02M · loan HK$9.19M · min. income ≈ HK$98,242/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,734 · Scale 2, in force from 26 Feb 2026)