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$23,243
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$23,966
−HK$734/mo
Today · 4.125%
HK$24,700
baseline
▲ 0.50% · 4.625%
HK$26,203
+HK$1,503/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$49,400/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$382,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,857
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$26,551
−HK$703/mo
Today · 4.125%
HK$27,254
baseline
▲ 0.50% · 4.625%
HK$28,691
+HK$1,437/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$54,508/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$382,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,891
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$28,759
−HK$881/mo
Today · 4.125%
HK$29,640
baseline
▲ 0.50% · 4.625%
HK$31,444
+HK$1,804/mo
Deposit HK$4.08M · loan HK$6.12M · min. income ≈ HK$59,280/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,029
−HK$1,676/mo
▼ 0.25% · 3.875%
HK$31,861
−HK$844/mo
Today · 4.125%
HK$32,705
baseline
▲ 0.50% · 4.625%
HK$34,429
+HK$1,724/mo
Deposit HK$4.08M · loan HK$6.12M · min. income ≈ HK$65,410/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,540
−HK$2,040/mo
▼ 0.25% · 3.875%
HK$33,552
−HK$1,028/mo
Today · 4.125%
HK$34,580
baseline
▲ 0.50% · 4.625%
HK$36,684
+HK$2,104/mo
Deposit HK$3.06M · loan HK$7.14M · min. income ≈ HK$69,160/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,200
−HK$1,956/mo
▼ 0.25% · 3.875%
HK$37,171
−HK$985/mo
Today · 4.125%
HK$38,156
baseline
▲ 0.50% · 4.625%
HK$40,167
+HK$2,011/mo
Deposit HK$3.06M · loan HK$7.14M · min. income ≈ HK$76,312/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,837
−HK$2,623/mo
▼ 0.25% · 3.875%
HK$43,138
−HK$1,322/mo
Today · 4.125%
HK$44,460
baseline
▲ 0.50% · 4.625%
HK$47,165
+HK$2,705/mo
Deposit HK$1.02M · loan HK$9.17M · min. income ≈ HK$88,920/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,543
−HK$2,514/mo
▼ 0.25% · 3.875%
HK$47,791
−HK$1,266/mo
Today · 4.125%
HK$49,057
baseline
▲ 0.50% · 4.625%
HK$51,643
+HK$2,586/mo
Deposit HK$1.02M · loan HK$9.17M · min. income ≈ HK$98,114/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,237 · Scale 2, in force from 26 Feb 2026)