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$23,268
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$23,992
−HK$735/mo
Today · 4.125%
HK$24,727
baseline
▲ 0.50% · 4.625%
HK$26,232
+HK$1,505/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$49,454/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$382,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,886
−HK$1,398/mo
▼ 0.25% · 3.875%
HK$26,580
−HK$704/mo
Today · 4.125%
HK$27,284
baseline
▲ 0.50% · 4.625%
HK$28,722
+HK$1,438/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$54,568/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$382,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,922
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$28,790
−HK$883/mo
Today · 4.125%
HK$29,673
baseline
▲ 0.50% · 4.625%
HK$31,478
+HK$1,805/mo
Deposit HK$4.08M · loan HK$6.12M · min. income ≈ HK$59,346/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,063
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$31,896
−HK$845/mo
Today · 4.125%
HK$32,741
baseline
▲ 0.50% · 4.625%
HK$34,467
+HK$1,726/mo
Deposit HK$4.08M · loan HK$6.12M · min. income ≈ HK$65,482/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,576
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$33,589
−HK$1,029/mo
Today · 4.125%
HK$34,618
baseline
▲ 0.50% · 4.625%
HK$36,725
+HK$2,107/mo
Deposit HK$3.06M · loan HK$7.14M · min. income ≈ HK$69,236/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,240
−HK$1,958/mo
▼ 0.25% · 3.875%
HK$37,212
−HK$986/mo
Today · 4.125%
HK$38,198
baseline
▲ 0.50% · 4.625%
HK$40,211
+HK$2,013/mo
Deposit HK$3.06M · loan HK$7.14M · min. income ≈ HK$76,396/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,883
−HK$2,626/mo
▼ 0.25% · 3.875%
HK$43,186
−HK$1,323/mo
Today · 4.125%
HK$44,509
baseline
▲ 0.50% · 4.625%
HK$47,218
+HK$2,709/mo
Deposit HK$1.02M · loan HK$9.18M · min. income ≈ HK$89,018/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,594
−HK$2,518/mo
▼ 0.25% · 3.875%
HK$47,844
−HK$1,268/mo
Today · 4.125%
HK$49,112
baseline
▲ 0.50% · 4.625%
HK$51,700
+HK$2,588/mo
Deposit HK$1.02M · loan HK$9.18M · min. income ≈ HK$98,224/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,659 · Scale 2, in force from 26 Feb 2026)