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$23,246
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$23,969
−HK$734/mo
Today · 4.125%
HK$24,703
baseline
▲ 0.50% · 4.625%
HK$26,206
+HK$1,503/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$49,406/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$382,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,861
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$26,554
−HK$704/mo
Today · 4.125%
HK$27,258
baseline
▲ 0.50% · 4.625%
HK$28,694
+HK$1,436/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$54,516/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$382,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,895
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$28,762
−HK$882/mo
Today · 4.125%
HK$29,644
baseline
▲ 0.50% · 4.625%
HK$31,448
+HK$1,804/mo
Deposit HK$4.08M · loan HK$6.12M · min. income ≈ HK$59,288/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,033
−HK$1,676/mo
▼ 0.25% · 3.875%
HK$31,865
−HK$844/mo
Today · 4.125%
HK$32,709
baseline
▲ 0.50% · 4.625%
HK$34,433
+HK$1,724/mo
Deposit HK$4.08M · loan HK$6.12M · min. income ≈ HK$65,418/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,544
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$33,556
−HK$1,029/mo
Today · 4.125%
HK$34,585
baseline
▲ 0.50% · 4.625%
HK$36,689
+HK$2,104/mo
Deposit HK$3.06M · loan HK$7.14M · min. income ≈ HK$69,170/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,205
−HK$1,956/mo
▼ 0.25% · 3.875%
HK$37,176
−HK$985/mo
Today · 4.125%
HK$38,161
baseline
▲ 0.50% · 4.625%
HK$40,172
+HK$2,011/mo
Deposit HK$3.06M · loan HK$7.14M · min. income ≈ HK$76,322/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,842
−HK$2,624/mo
▼ 0.25% · 3.875%
HK$43,144
−HK$1,322/mo
Today · 4.125%
HK$44,466
baseline
▲ 0.50% · 4.625%
HK$47,172
+HK$2,706/mo
Deposit HK$1.02M · loan HK$9.17M · min. income ≈ HK$88,932/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,549
−HK$2,515/mo
▼ 0.25% · 3.875%
HK$47,797
−HK$1,267/mo
Today · 4.125%
HK$49,064
baseline
▲ 0.50% · 4.625%
HK$51,650
+HK$2,586/mo
Deposit HK$1.02M · loan HK$9.17M · min. income ≈ HK$98,128/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,287 · Scale 2, in force from 26 Feb 2026)