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$23,264
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$23,988
−HK$735/mo
Today · 4.125%
HK$24,723
baseline
▲ 0.50% · 4.625%
HK$26,227
+HK$1,504/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$49,446/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$382,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,881
−HK$1,398/mo
▼ 0.25% · 3.875%
HK$26,575
−HK$704/mo
Today · 4.125%
HK$27,279
baseline
▲ 0.50% · 4.625%
HK$28,717
+HK$1,438/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$54,558/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$382,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,917
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$28,785
−HK$882/mo
Today · 4.125%
HK$29,667
baseline
▲ 0.50% · 4.625%
HK$31,473
+HK$1,806/mo
Deposit HK$4.08M · loan HK$6.12M · min. income ≈ HK$59,334/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,057
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$31,890
−HK$845/mo
Today · 4.125%
HK$32,735
baseline
▲ 0.50% · 4.625%
HK$34,461
+HK$1,726/mo
Deposit HK$4.08M · loan HK$6.12M · min. income ≈ HK$65,470/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,570
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$33,583
−HK$1,029/mo
Today · 4.125%
HK$34,612
baseline
▲ 0.50% · 4.625%
HK$36,718
+HK$2,106/mo
Deposit HK$3.06M · loan HK$7.14M · min. income ≈ HK$69,224/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,233
−HK$1,958/mo
▼ 0.25% · 3.875%
HK$37,205
−HK$986/mo
Today · 4.125%
HK$38,191
baseline
▲ 0.50% · 4.625%
HK$40,204
+HK$2,013/mo
Deposit HK$3.06M · loan HK$7.14M · min. income ≈ HK$76,382/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,875
−HK$2,626/mo
▼ 0.25% · 3.875%
HK$43,178
−HK$1,323/mo
Today · 4.125%
HK$44,501
baseline
▲ 0.50% · 4.625%
HK$47,209
+HK$2,708/mo
Deposit HK$1.02M · loan HK$9.18M · min. income ≈ HK$89,002/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,586
−HK$2,517/mo
▼ 0.25% · 3.875%
HK$47,835
−HK$1,268/mo
Today · 4.125%
HK$49,103
baseline
▲ 0.50% · 4.625%
HK$51,691
+HK$2,588/mo
Deposit HK$1.02M · loan HK$9.18M · min. income ≈ HK$98,206/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,589 · Scale 2, in force from 26 Feb 2026)