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$23,244
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$23,967
−HK$734/mo
Today · 4.125%
HK$24,701
baseline
▲ 0.50% · 4.625%
HK$26,204
+HK$1,503/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$49,402/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$382,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,858
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$26,552
−HK$703/mo
Today · 4.125%
HK$27,255
baseline
▲ 0.50% · 4.625%
HK$28,692
+HK$1,437/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$54,510/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$382,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,892
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$28,760
−HK$882/mo
Today · 4.125%
HK$29,642
baseline
▲ 0.50% · 4.625%
HK$31,445
+HK$1,803/mo
Deposit HK$4.08M · loan HK$6.12M · min. income ≈ HK$59,284/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,030
−HK$1,677/mo
▼ 0.25% · 3.875%
HK$31,862
−HK$845/mo
Today · 4.125%
HK$32,707
baseline
▲ 0.50% · 4.625%
HK$34,431
+HK$1,724/mo
Deposit HK$4.08M · loan HK$6.12M · min. income ≈ HK$65,414/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,541
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$33,553
−HK$1,029/mo
Today · 4.125%
HK$34,582
baseline
▲ 0.50% · 4.625%
HK$36,686
+HK$2,104/mo
Deposit HK$3.06M · loan HK$7.14M · min. income ≈ HK$69,164/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,202
−HK$1,956/mo
▼ 0.25% · 3.875%
HK$37,173
−HK$985/mo
Today · 4.125%
HK$38,158
baseline
▲ 0.50% · 4.625%
HK$40,169
+HK$2,011/mo
Deposit HK$3.06M · loan HK$7.14M · min. income ≈ HK$76,316/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,839
−HK$2,623/mo
▼ 0.25% · 3.875%
HK$43,140
−HK$1,322/mo
Today · 4.125%
HK$44,462
baseline
▲ 0.50% · 4.625%
HK$47,168
+HK$2,706/mo
Deposit HK$1.02M · loan HK$9.17M · min. income ≈ HK$88,924/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,545
−HK$2,515/mo
▼ 0.25% · 3.875%
HK$47,793
−HK$1,267/mo
Today · 4.125%
HK$49,060
baseline
▲ 0.50% · 4.625%
HK$51,646
+HK$2,586/mo
Deposit HK$1.02M · loan HK$9.17M · min. income ≈ HK$98,120/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,255 · Scale 2, in force from 26 Feb 2026)