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$23,270
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$23,994
−HK$735/mo
Today · 4.125%
HK$24,729
baseline
▲ 0.50% · 4.625%
HK$26,234
+HK$1,505/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$49,458/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$382,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,887
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$26,582
−HK$704/mo
Today · 4.125%
HK$27,286
baseline
▲ 0.50% · 4.625%
HK$28,724
+HK$1,438/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$54,572/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$382,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,924
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$28,792
−HK$883/mo
Today · 4.125%
HK$29,675
baseline
▲ 0.50% · 4.625%
HK$31,480
+HK$1,805/mo
Deposit HK$4.08M · loan HK$6.12M · min. income ≈ HK$59,350/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,065
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$31,898
−HK$845/mo
Today · 4.125%
HK$32,743
baseline
▲ 0.50% · 4.625%
HK$34,469
+HK$1,726/mo
Deposit HK$4.08M · loan HK$6.12M · min. income ≈ HK$65,486/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,578
−HK$2,043/mo
▼ 0.25% · 3.875%
HK$33,591
−HK$1,030/mo
Today · 4.125%
HK$34,621
baseline
▲ 0.50% · 4.625%
HK$36,727
+HK$2,106/mo
Deposit HK$3.06M · loan HK$7.14M · min. income ≈ HK$69,242/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,242
−HK$1,958/mo
▼ 0.25% · 3.875%
HK$37,214
−HK$986/mo
Today · 4.125%
HK$38,200
baseline
▲ 0.50% · 4.625%
HK$40,214
+HK$2,014/mo
Deposit HK$3.06M · loan HK$7.14M · min. income ≈ HK$76,400/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,886
−HK$2,626/mo
▼ 0.25% · 3.875%
HK$43,188
−HK$1,324/mo
Today · 4.125%
HK$44,512
baseline
▲ 0.50% · 4.625%
HK$47,221
+HK$2,709/mo
Deposit HK$1.02M · loan HK$9.18M · min. income ≈ HK$89,024/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,597
−HK$2,518/mo
▼ 0.25% · 3.875%
HK$47,847
−HK$1,268/mo
Today · 4.125%
HK$49,115
baseline
▲ 0.50% · 4.625%
HK$51,704
+HK$2,589/mo
Deposit HK$1.02M · loan HK$9.18M · min. income ≈ HK$98,230/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,684 · Scale 2, in force from 26 Feb 2026)