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$382,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,872
−HK$1,398/mo
▼ 0.25% · 3.875%
HK$26,566
−HK$704/mo
Today · 4.125%
HK$27,270
baseline
▲ 0.50% · 4.625%
HK$28,707
+HK$1,437/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$54,540/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$382,455 · 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$31,462
+HK$1,805/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$382,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,046
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$31,879
−HK$845/mo
Today · 4.125%
HK$32,724
baseline
▲ 0.50% · 4.625%
HK$34,449
+HK$1,725/mo
Deposit HK$4.08M · loan HK$6.12M · min. income ≈ HK$65,448/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,558
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$33,571
−HK$1,029/mo
Today · 4.125%
HK$34,600
baseline
▲ 0.50% · 4.625%
HK$36,705
+HK$2,105/mo
Deposit HK$3.06M · loan HK$7.14M · min. income ≈ HK$69,200/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,221
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$37,192
−HK$986/mo
Today · 4.125%
HK$38,178
baseline
▲ 0.50% · 4.625%
HK$40,190
+HK$2,012/mo
Deposit HK$3.06M · loan HK$7.14M · min. income ≈ HK$76,356/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,861
−HK$2,625/mo
▼ 0.25% · 3.875%
HK$43,163
−HK$1,323/mo
Today · 4.125%
HK$44,486
baseline
▲ 0.50% · 4.625%
HK$47,192
+HK$2,706/mo
Deposit HK$1.02M · loan HK$9.18M · min. income ≈ HK$88,972/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,455 · 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$51,673
+HK$2,588/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$382,455 · Scale 2, in force from 26 Feb 2026)