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$23,269
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$23,993
−HK$735/mo
Today · 4.125%
HK$24,728
baseline
▲ 0.50% · 4.625%
HK$26,233
+HK$1,505/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$49,456/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$382,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,886
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$26,581
−HK$704/mo
Today · 4.125%
HK$27,285
baseline
▲ 0.50% · 4.625%
HK$28,723
+HK$1,438/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$54,570/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$382,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,923
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$28,791
−HK$883/mo
Today · 4.125%
HK$29,674
baseline
▲ 0.50% · 4.625%
HK$31,479
+HK$1,805/mo
Deposit HK$4.08M · loan HK$6.12M · min. income ≈ HK$59,348/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,064
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$31,897
−HK$845/mo
Today · 4.125%
HK$32,742
baseline
▲ 0.50% · 4.625%
HK$34,468
+HK$1,726/mo
Deposit HK$4.08M · loan HK$6.12M · min. income ≈ HK$65,484/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,576
−HK$2,043/mo
▼ 0.25% · 3.875%
HK$33,590
−HK$1,029/mo
Today · 4.125%
HK$34,619
baseline
▲ 0.50% · 4.625%
HK$36,726
+HK$2,107/mo
Deposit HK$3.06M · loan HK$7.14M · min. income ≈ HK$69,238/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,241
−HK$1,958/mo
▼ 0.25% · 3.875%
HK$37,213
−HK$986/mo
Today · 4.125%
HK$38,199
baseline
▲ 0.50% · 4.625%
HK$40,212
+HK$2,013/mo
Deposit HK$3.06M · loan HK$7.14M · min. income ≈ HK$76,398/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,884
−HK$2,626/mo
▼ 0.25% · 3.875%
HK$43,187
−HK$1,323/mo
Today · 4.125%
HK$44,510
baseline
▲ 0.50% · 4.625%
HK$47,219
+HK$2,709/mo
Deposit HK$1.02M · loan HK$9.18M · min. income ≈ HK$89,020/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,595
−HK$2,518/mo
▼ 0.25% · 3.875%
HK$47,845
−HK$1,268/mo
Today · 4.125%
HK$49,113
baseline
▲ 0.50% · 4.625%
HK$51,702
+HK$2,589/mo
Deposit HK$1.02M · loan HK$9.18M · min. income ≈ HK$98,226/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,668 · Scale 2, in force from 26 Feb 2026)