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$23,250
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$23,973
−HK$734/mo
Today · 4.125%
HK$24,707
baseline
▲ 0.50% · 4.625%
HK$26,211
+HK$1,504/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$49,414/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$382,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,865
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$26,559
−HK$703/mo
Today · 4.125%
HK$27,262
baseline
▲ 0.50% · 4.625%
HK$28,699
+HK$1,437/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$54,524/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$382,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,899
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$28,767
−HK$882/mo
Today · 4.125%
HK$29,649
baseline
▲ 0.50% · 4.625%
HK$31,453
+HK$1,804/mo
Deposit HK$4.08M · loan HK$6.12M · min. income ≈ HK$59,298/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,038
−HK$1,677/mo
▼ 0.25% · 3.875%
HK$31,870
−HK$845/mo
Today · 4.125%
HK$32,715
baseline
▲ 0.50% · 4.625%
HK$34,439
+HK$1,724/mo
Deposit HK$4.08M · loan HK$6.12M · min. income ≈ HK$65,430/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,549
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$33,562
−HK$1,028/mo
Today · 4.125%
HK$34,590
baseline
▲ 0.50% · 4.625%
HK$36,695
+HK$2,105/mo
Deposit HK$3.06M · loan HK$7.14M · min. income ≈ HK$69,180/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,211
−HK$1,956/mo
▼ 0.25% · 3.875%
HK$37,182
−HK$985/mo
Today · 4.125%
HK$38,167
baseline
▲ 0.50% · 4.625%
HK$40,179
+HK$2,012/mo
Deposit HK$3.06M · loan HK$7.14M · min. income ≈ HK$76,334/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,849
−HK$2,624/mo
▼ 0.25% · 3.875%
HK$43,151
−HK$1,322/mo
Today · 4.125%
HK$44,473
baseline
▲ 0.50% · 4.625%
HK$47,180
+HK$2,707/mo
Deposit HK$1.02M · loan HK$9.18M · min. income ≈ HK$88,946/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,557
−HK$2,515/mo
▼ 0.25% · 3.875%
HK$47,805
−HK$1,267/mo
Today · 4.125%
HK$49,072
baseline
▲ 0.50% · 4.625%
HK$51,659
+HK$2,587/mo
Deposit HK$1.02M · loan HK$9.18M · min. income ≈ HK$98,144/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,351 · Scale 2, in force from 26 Feb 2026)