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$23,262
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$23,986
−HK$735/mo
Today · 4.125%
HK$24,721
baseline
▲ 0.50% · 4.625%
HK$26,225
+HK$1,504/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$49,442/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$382,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,879
−HK$1,398/mo
▼ 0.25% · 3.875%
HK$26,573
−HK$704/mo
Today · 4.125%
HK$27,277
baseline
▲ 0.50% · 4.625%
HK$28,715
+HK$1,438/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$54,554/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$382,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,915
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$28,783
−HK$882/mo
Today · 4.125%
HK$29,665
baseline
▲ 0.50% · 4.625%
HK$31,470
+HK$1,805/mo
Deposit HK$4.08M · loan HK$6.12M · min. income ≈ HK$59,330/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,055
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$31,888
−HK$845/mo
Today · 4.125%
HK$32,733
baseline
▲ 0.50% · 4.625%
HK$34,458
+HK$1,725/mo
Deposit HK$4.08M · loan HK$6.12M · min. income ≈ HK$65,466/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,567
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$33,580
−HK$1,029/mo
Today · 4.125%
HK$34,609
baseline
▲ 0.50% · 4.625%
HK$36,715
+HK$2,106/mo
Deposit HK$3.06M · loan HK$7.14M · min. income ≈ HK$69,218/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,231
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$37,202
−HK$986/mo
Today · 4.125%
HK$38,188
baseline
▲ 0.50% · 4.625%
HK$40,201
+HK$2,013/mo
Deposit HK$3.06M · loan HK$7.14M · min. income ≈ HK$76,376/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,872
−HK$2,626/mo
▼ 0.25% · 3.875%
HK$43,174
−HK$1,324/mo
Today · 4.125%
HK$44,498
baseline
▲ 0.50% · 4.625%
HK$47,205
+HK$2,707/mo
Deposit HK$1.02M · loan HK$9.18M · min. income ≈ HK$88,996/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,582
−HK$2,517/mo
▼ 0.25% · 3.875%
HK$47,831
−HK$1,268/mo
Today · 4.125%
HK$49,099
baseline
▲ 0.50% · 4.625%
HK$51,687
+HK$2,588/mo
Deposit HK$1.02M · loan HK$9.18M · min. income ≈ HK$98,198/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,559 · Scale 2, in force from 26 Feb 2026)