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$23,267
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$23,990
−HK$736/mo
Today · 4.125%
HK$24,726
baseline
▲ 0.50% · 4.625%
HK$26,230
+HK$1,504/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$49,452/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$382,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,884
−HK$1,398/mo
▼ 0.25% · 3.875%
HK$26,578
−HK$704/mo
Today · 4.125%
HK$27,282
baseline
▲ 0.50% · 4.625%
HK$28,720
+HK$1,438/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$54,564/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$382,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,920
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$28,788
−HK$883/mo
Today · 4.125%
HK$29,671
baseline
▲ 0.50% · 4.625%
HK$31,476
+HK$1,805/mo
Deposit HK$4.08M · loan HK$6.12M · min. income ≈ HK$59,342/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,061
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$31,894
−HK$845/mo
Today · 4.125%
HK$32,739
baseline
▲ 0.50% · 4.625%
HK$34,464
+HK$1,725/mo
Deposit HK$4.08M · loan HK$6.12M · min. income ≈ HK$65,478/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,573
−HK$2,043/mo
▼ 0.25% · 3.875%
HK$33,586
−HK$1,030/mo
Today · 4.125%
HK$34,616
baseline
▲ 0.50% · 4.625%
HK$36,722
+HK$2,106/mo
Deposit HK$3.06M · loan HK$7.14M · min. income ≈ HK$69,232/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,237
−HK$1,958/mo
▼ 0.25% · 3.875%
HK$37,209
−HK$986/mo
Today · 4.125%
HK$38,195
baseline
▲ 0.50% · 4.625%
HK$40,208
+HK$2,013/mo
Deposit HK$3.06M · loan HK$7.14M · min. income ≈ HK$76,390/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,880
−HK$2,626/mo
▼ 0.25% · 3.875%
HK$43,183
−HK$1,323/mo
Today · 4.125%
HK$44,506
baseline
▲ 0.50% · 4.625%
HK$47,214
+HK$2,708/mo
Deposit HK$1.02M · loan HK$9.18M · min. income ≈ HK$89,012/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,591
−HK$2,517/mo
▼ 0.25% · 3.875%
HK$47,840
−HK$1,268/mo
Today · 4.125%
HK$49,108
baseline
▲ 0.50% · 4.625%
HK$51,697
+HK$2,589/mo
Deposit HK$1.02M · loan HK$9.18M · min. income ≈ HK$98,216/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,631 · Scale 2, in force from 26 Feb 2026)