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$23,273
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$23,997
−HK$736/mo
Today · 4.125%
HK$24,733
baseline
▲ 0.50% · 4.625%
HK$26,237
+HK$1,504/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$49,466/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$382,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,891
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$26,585
−HK$705/mo
Today · 4.125%
HK$27,290
baseline
▲ 0.50% · 4.625%
HK$28,728
+HK$1,438/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$54,580/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$382,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,928
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$28,796
−HK$883/mo
Today · 4.125%
HK$29,679
baseline
▲ 0.50% · 4.625%
HK$31,485
+HK$1,806/mo
Deposit HK$4.08M · loan HK$6.12M · min. income ≈ HK$59,358/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$382,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,069
−HK$1,679/mo
▼ 0.25% · 3.875%
HK$31,903
−HK$845/mo
Today · 4.125%
HK$32,748
baseline
▲ 0.50% · 4.625%
HK$34,474
+HK$1,726/mo
Deposit HK$4.08M · loan HK$6.12M · min. income ≈ HK$65,496/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$382,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,582
−HK$2,044/mo
▼ 0.25% · 3.875%
HK$33,596
−HK$1,030/mo
Today · 4.125%
HK$34,626
baseline
▲ 0.50% · 4.625%
HK$36,732
+HK$2,106/mo
Deposit HK$3.06M · loan HK$7.14M · min. income ≈ HK$69,252/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,248
−HK$1,958/mo
▼ 0.25% · 3.875%
HK$37,220
−HK$986/mo
Today · 4.125%
HK$38,206
baseline
▲ 0.50% · 4.625%
HK$40,220
+HK$2,014/mo
Deposit HK$3.06M · loan HK$7.14M · min. income ≈ HK$76,412/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,892
−HK$2,627/mo
▼ 0.25% · 3.875%
HK$43,195
−HK$1,324/mo
Today · 4.125%
HK$44,519
baseline
▲ 0.50% · 4.625%
HK$47,227
+HK$2,708/mo
Deposit HK$1.02M · loan HK$9.19M · min. income ≈ HK$89,038/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,604
−HK$2,518/mo
▼ 0.25% · 3.875%
HK$47,854
−HK$1,268/mo
Today · 4.125%
HK$49,122
baseline
▲ 0.50% · 4.625%
HK$51,711
+HK$2,589/mo
Deposit HK$1.02M · loan HK$9.19M · min. income ≈ HK$98,244/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,739 · Scale 2, in force from 26 Feb 2026)