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$23,279
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$24,003
−HK$736/mo
Today · 4.125%
HK$24,739
baseline
▲ 0.50% · 4.625%
HK$26,244
+HK$1,505/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$49,478/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$382,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,897
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$26,592
−HK$705/mo
Today · 4.125%
HK$27,297
baseline
▲ 0.50% · 4.625%
HK$28,735
+HK$1,438/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$54,594/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$382,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,935
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$28,803
−HK$883/mo
Today · 4.125%
HK$29,686
baseline
▲ 0.50% · 4.625%
HK$31,493
+HK$1,807/mo
Deposit HK$4.08M · loan HK$6.13M · min. income ≈ HK$59,372/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$382,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,077
−HK$1,679/mo
▼ 0.25% · 3.875%
HK$31,910
−HK$846/mo
Today · 4.125%
HK$32,756
baseline
▲ 0.50% · 4.625%
HK$34,482
+HK$1,726/mo
Deposit HK$4.08M · loan HK$6.13M · min. income ≈ HK$65,512/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$382,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,590
−HK$2,044/mo
▼ 0.25% · 3.875%
HK$33,604
−HK$1,030/mo
Today · 4.125%
HK$34,634
baseline
▲ 0.50% · 4.625%
HK$36,741
+HK$2,107/mo
Deposit HK$3.06M · loan HK$7.15M · min. income ≈ HK$69,268/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$382,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,256
−HK$1,959/mo
▼ 0.25% · 3.875%
HK$37,229
−HK$986/mo
Today · 4.125%
HK$38,215
baseline
▲ 0.50% · 4.625%
HK$40,230
+HK$2,015/mo
Deposit HK$3.06M · loan HK$7.15M · min. income ≈ HK$76,430/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$382,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,902
−HK$2,627/mo
▼ 0.25% · 3.875%
HK$43,205
−HK$1,324/mo
Today · 4.125%
HK$44,529
baseline
▲ 0.50% · 4.625%
HK$47,239
+HK$2,710/mo
Deposit HK$1.02M · loan HK$9.19M · min. income ≈ HK$89,058/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,615
−HK$2,519/mo
▼ 0.25% · 3.875%
HK$47,866
−HK$1,268/mo
Today · 4.125%
HK$49,134
baseline
▲ 0.50% · 4.625%
HK$51,724
+HK$2,590/mo
Deposit HK$1.02M · loan HK$9.19M · min. income ≈ HK$98,268/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,832 · Scale 2, in force from 26 Feb 2026)