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$23,257
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$23,980
−HK$735/mo
Today · 4.125%
HK$24,715
baseline
▲ 0.50% · 4.625%
HK$26,219
+HK$1,504/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$49,430/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$382,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,873
−HK$1,398/mo
▼ 0.25% · 3.875%
HK$26,567
−HK$704/mo
Today · 4.125%
HK$27,271
baseline
▲ 0.50% · 4.625%
HK$28,708
+HK$1,437/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$54,542/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$382,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,908
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$28,776
−HK$882/mo
Today · 4.125%
HK$29,658
baseline
▲ 0.50% · 4.625%
HK$31,463
+HK$1,805/mo
Deposit HK$4.08M · loan HK$6.12M · min. income ≈ HK$59,316/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,047
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$31,880
−HK$845/mo
Today · 4.125%
HK$32,725
baseline
▲ 0.50% · 4.625%
HK$34,450
+HK$1,725/mo
Deposit HK$4.08M · loan HK$6.12M · min. income ≈ HK$65,450/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,559
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$33,572
−HK$1,029/mo
Today · 4.125%
HK$34,601
baseline
▲ 0.50% · 4.625%
HK$36,706
+HK$2,105/mo
Deposit HK$3.06M · loan HK$7.14M · min. income ≈ HK$69,202/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,222
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$37,193
−HK$986/mo
Today · 4.125%
HK$38,179
baseline
▲ 0.50% · 4.625%
HK$40,191
+HK$2,012/mo
Deposit HK$3.06M · loan HK$7.14M · min. income ≈ HK$76,358/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,862
−HK$2,625/mo
▼ 0.25% · 3.875%
HK$43,164
−HK$1,323/mo
Today · 4.125%
HK$44,487
baseline
▲ 0.50% · 4.625%
HK$47,194
+HK$2,707/mo
Deposit HK$1.02M · loan HK$9.18M · min. income ≈ HK$88,974/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,571
−HK$2,516/mo
▼ 0.25% · 3.875%
HK$47,820
−HK$1,267/mo
Today · 4.125%
HK$49,087
baseline
▲ 0.50% · 4.625%
HK$51,674
+HK$2,587/mo
Deposit HK$1.02M · loan HK$9.18M · min. income ≈ HK$98,174/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,467 · Scale 2, in force from 26 Feb 2026)