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$23,256
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$23,979
−HK$735/mo
Today · 4.125%
HK$24,714
baseline
▲ 0.50% · 4.625%
HK$26,218
+HK$1,504/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$49,428/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$382,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,872
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$26,565
−HK$704/mo
Today · 4.125%
HK$27,269
baseline
▲ 0.50% · 4.625%
HK$28,707
+HK$1,438/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$54,538/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$382,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,907
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$28,775
−HK$882/mo
Today · 4.125%
HK$29,657
baseline
▲ 0.50% · 4.625%
HK$31,461
+HK$1,804/mo
Deposit HK$4.08M · loan HK$6.12M · min. income ≈ HK$59,314/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,046
−HK$1,677/mo
▼ 0.25% · 3.875%
HK$31,879
−HK$844/mo
Today · 4.125%
HK$32,723
baseline
▲ 0.50% · 4.625%
HK$34,448
+HK$1,725/mo
Deposit HK$4.08M · loan HK$6.12M · min. income ≈ HK$65,446/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,558
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$33,571
−HK$1,028/mo
Today · 4.125%
HK$34,599
baseline
▲ 0.50% · 4.625%
HK$36,705
+HK$2,106/mo
Deposit HK$3.06M · loan HK$7.14M · min. income ≈ HK$69,198/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,220
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$37,192
−HK$985/mo
Today · 4.125%
HK$38,177
baseline
▲ 0.50% · 4.625%
HK$40,190
+HK$2,013/mo
Deposit HK$3.06M · loan HK$7.14M · min. income ≈ HK$76,354/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,860
−HK$2,625/mo
▼ 0.25% · 3.875%
HK$43,162
−HK$1,323/mo
Today · 4.125%
HK$44,485
baseline
▲ 0.50% · 4.625%
HK$47,192
+HK$2,707/mo
Deposit HK$1.02M · loan HK$9.18M · min. income ≈ HK$88,970/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,569
−HK$2,516/mo
▼ 0.25% · 3.875%
HK$47,818
−HK$1,267/mo
Today · 4.125%
HK$49,085
baseline
▲ 0.50% · 4.625%
HK$51,672
+HK$2,587/mo
Deposit HK$1.02M · loan HK$9.18M · min. income ≈ HK$98,170/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,451 · Scale 2, in force from 26 Feb 2026)