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$23,252
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$23,975
−HK$735/mo
Today · 4.125%
HK$24,710
baseline
▲ 0.50% · 4.625%
HK$26,213
+HK$1,503/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$49,420/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$382,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,867
−HK$1,398/mo
▼ 0.25% · 3.875%
HK$26,561
−HK$704/mo
Today · 4.125%
HK$27,265
baseline
▲ 0.50% · 4.625%
HK$28,702
+HK$1,437/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$54,530/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$382,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,902
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$28,770
−HK$882/mo
Today · 4.125%
HK$29,652
baseline
▲ 0.50% · 4.625%
HK$31,456
+HK$1,804/mo
Deposit HK$4.08M · loan HK$6.12M · min. income ≈ HK$59,304/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,041
−HK$1,677/mo
▼ 0.25% · 3.875%
HK$31,873
−HK$845/mo
Today · 4.125%
HK$32,718
baseline
▲ 0.50% · 4.625%
HK$34,442
+HK$1,724/mo
Deposit HK$4.08M · loan HK$6.12M · min. income ≈ HK$65,436/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,552
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$33,565
−HK$1,028/mo
Today · 4.125%
HK$34,593
baseline
▲ 0.50% · 4.625%
HK$36,698
+HK$2,105/mo
Deposit HK$3.06M · loan HK$7.14M · min. income ≈ HK$69,186/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,214
−HK$1,956/mo
▼ 0.25% · 3.875%
HK$37,185
−HK$985/mo
Today · 4.125%
HK$38,170
baseline
▲ 0.50% · 4.625%
HK$40,182
+HK$2,012/mo
Deposit HK$3.06M · loan HK$7.14M · min. income ≈ HK$76,340/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,853
−HK$2,624/mo
▼ 0.25% · 3.875%
HK$43,155
−HK$1,322/mo
Today · 4.125%
HK$44,477
baseline
▲ 0.50% · 4.625%
HK$47,184
+HK$2,707/mo
Deposit HK$1.02M · loan HK$9.18M · min. income ≈ HK$88,954/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,561
−HK$2,515/mo
▼ 0.25% · 3.875%
HK$47,810
−HK$1,266/mo
Today · 4.125%
HK$49,076
baseline
▲ 0.50% · 4.625%
HK$51,663
+HK$2,587/mo
Deposit HK$1.02M · loan HK$9.18M · min. income ≈ HK$98,152/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,384 · Scale 2, in force from 26 Feb 2026)