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$23,263
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$23,986
−HK$735/mo
Today · 4.125%
HK$24,721
baseline
▲ 0.50% · 4.625%
HK$26,226
+HK$1,505/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$49,442/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$382,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,879
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$26,573
−HK$705/mo
Today · 4.125%
HK$27,278
baseline
▲ 0.50% · 4.625%
HK$28,715
+HK$1,437/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$54,556/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$382,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,915
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$28,783
−HK$883/mo
Today · 4.125%
HK$29,666
baseline
▲ 0.50% · 4.625%
HK$31,471
+HK$1,805/mo
Deposit HK$4.08M · loan HK$6.12M · min. income ≈ HK$59,332/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,055
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$31,888
−HK$845/mo
Today · 4.125%
HK$32,733
baseline
▲ 0.50% · 4.625%
HK$34,459
+HK$1,726/mo
Deposit HK$4.08M · loan HK$6.12M · min. income ≈ HK$65,466/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,568
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$33,581
−HK$1,029/mo
Today · 4.125%
HK$34,610
baseline
▲ 0.50% · 4.625%
HK$36,716
+HK$2,106/mo
Deposit HK$3.06M · loan HK$7.14M · min. income ≈ HK$69,220/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,231
−HK$1,958/mo
▼ 0.25% · 3.875%
HK$37,203
−HK$986/mo
Today · 4.125%
HK$38,189
baseline
▲ 0.50% · 4.625%
HK$40,202
+HK$2,013/mo
Deposit HK$3.06M · loan HK$7.14M · min. income ≈ HK$76,378/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,873
−HK$2,625/mo
▼ 0.25% · 3.875%
HK$43,175
−HK$1,323/mo
Today · 4.125%
HK$44,498
baseline
▲ 0.50% · 4.625%
HK$47,206
+HK$2,708/mo
Deposit HK$1.02M · loan HK$9.18M · min. income ≈ HK$88,996/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,583
−HK$2,517/mo
▼ 0.25% · 3.875%
HK$47,832
−HK$1,268/mo
Today · 4.125%
HK$49,100
baseline
▲ 0.50% · 4.625%
HK$51,688
+HK$2,588/mo
Deposit HK$1.02M · loan HK$9.18M · min. income ≈ HK$98,200/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,566 · Scale 2, in force from 26 Feb 2026)