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$23,251
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$23,974
−HK$735/mo
Today · 4.125%
HK$24,709
baseline
▲ 0.50% · 4.625%
HK$26,212
+HK$1,503/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$49,418/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$382,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,866
−HK$1,398/mo
▼ 0.25% · 3.875%
HK$26,560
−HK$704/mo
Today · 4.125%
HK$27,264
baseline
▲ 0.50% · 4.625%
HK$28,701
+HK$1,437/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$54,528/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$382,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,901
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$28,769
−HK$882/mo
Today · 4.125%
HK$29,651
baseline
▲ 0.50% · 4.625%
HK$31,455
+HK$1,804/mo
Deposit HK$4.08M · loan HK$6.12M · min. income ≈ HK$59,302/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,040
−HK$1,677/mo
▼ 0.25% · 3.875%
HK$31,872
−HK$845/mo
Today · 4.125%
HK$32,717
baseline
▲ 0.50% · 4.625%
HK$34,441
+HK$1,724/mo
Deposit HK$4.08M · loan HK$6.12M · min. income ≈ HK$65,434/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,551
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$33,564
−HK$1,028/mo
Today · 4.125%
HK$34,592
baseline
▲ 0.50% · 4.625%
HK$36,697
+HK$2,105/mo
Deposit HK$3.06M · loan HK$7.14M · min. income ≈ HK$69,184/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,213
−HK$1,956/mo
▼ 0.25% · 3.875%
HK$37,184
−HK$985/mo
Today · 4.125%
HK$38,169
baseline
▲ 0.50% · 4.625%
HK$40,181
+HK$2,012/mo
Deposit HK$3.06M · loan HK$7.14M · min. income ≈ HK$76,338/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,852
−HK$2,624/mo
▼ 0.25% · 3.875%
HK$43,153
−HK$1,323/mo
Today · 4.125%
HK$44,476
baseline
▲ 0.50% · 4.625%
HK$47,182
+HK$2,706/mo
Deposit HK$1.02M · loan HK$9.18M · min. income ≈ HK$88,952/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,559
−HK$2,516/mo
▼ 0.25% · 3.875%
HK$47,808
−HK$1,267/mo
Today · 4.125%
HK$49,075
baseline
▲ 0.50% · 4.625%
HK$51,662
+HK$2,587/mo
Deposit HK$1.02M · loan HK$9.18M · min. income ≈ HK$98,150/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,373 · Scale 2, in force from 26 Feb 2026)