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$23,258
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$23,982
−HK$735/mo
Today · 4.125%
HK$24,717
baseline
▲ 0.50% · 4.625%
HK$26,221
+HK$1,504/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$49,434/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$382,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,875
−HK$1,398/mo
▼ 0.25% · 3.875%
HK$26,569
−HK$704/mo
Today · 4.125%
HK$27,273
baseline
▲ 0.50% · 4.625%
HK$28,710
+HK$1,437/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$54,546/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$382,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,910
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$28,778
−HK$882/mo
Today · 4.125%
HK$29,660
baseline
▲ 0.50% · 4.625%
HK$31,465
+HK$1,805/mo
Deposit HK$4.08M · loan HK$6.12M · min. income ≈ HK$59,320/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,050
−HK$1,677/mo
▼ 0.25% · 3.875%
HK$31,882
−HK$845/mo
Today · 4.125%
HK$32,727
baseline
▲ 0.50% · 4.625%
HK$34,452
+HK$1,725/mo
Deposit HK$4.08M · loan HK$6.12M · min. income ≈ HK$65,454/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,562
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$33,575
−HK$1,029/mo
Today · 4.125%
HK$34,604
baseline
▲ 0.50% · 4.625%
HK$36,709
+HK$2,105/mo
Deposit HK$3.06M · loan HK$7.14M · min. income ≈ HK$69,208/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,225
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$37,196
−HK$986/mo
Today · 4.125%
HK$38,182
baseline
▲ 0.50% · 4.625%
HK$40,194
+HK$2,012/mo
Deposit HK$3.06M · loan HK$7.14M · min. income ≈ HK$76,364/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,865
−HK$2,625/mo
▼ 0.25% · 3.875%
HK$43,167
−HK$1,323/mo
Today · 4.125%
HK$44,490
baseline
▲ 0.50% · 4.625%
HK$47,198
+HK$2,708/mo
Deposit HK$1.02M · loan HK$9.18M · min. income ≈ HK$88,980/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,575
−HK$2,516/mo
▼ 0.25% · 3.875%
HK$47,824
−HK$1,267/mo
Today · 4.125%
HK$49,091
baseline
▲ 0.50% · 4.625%
HK$51,678
+HK$2,587/mo
Deposit HK$1.02M · loan HK$9.18M · min. income ≈ HK$98,182/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,497 · Scale 2, in force from 26 Feb 2026)