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$23,274
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$23,998
−HK$736/mo
Today · 4.125%
HK$24,734
baseline
▲ 0.50% · 4.625%
HK$26,239
+HK$1,505/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$49,468/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$382,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,893
−HK$1,398/mo
▼ 0.25% · 3.875%
HK$26,587
−HK$704/mo
Today · 4.125%
HK$27,291
baseline
▲ 0.50% · 4.625%
HK$28,730
+HK$1,439/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$54,582/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$382,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,929
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$28,798
−HK$883/mo
Today · 4.125%
HK$29,681
baseline
▲ 0.50% · 4.625%
HK$31,487
+HK$1,806/mo
Deposit HK$4.08M · loan HK$6.12M · min. income ≈ HK$59,362/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$382,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,071
−HK$1,679/mo
▼ 0.25% · 3.875%
HK$31,904
−HK$846/mo
Today · 4.125%
HK$32,750
baseline
▲ 0.50% · 4.625%
HK$34,476
+HK$1,726/mo
Deposit HK$4.08M · loan HK$6.12M · min. income ≈ HK$65,500/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$382,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,584
−HK$2,044/mo
▼ 0.25% · 3.875%
HK$33,598
−HK$1,030/mo
Today · 4.125%
HK$34,628
baseline
▲ 0.50% · 4.625%
HK$36,735
+HK$2,107/mo
Deposit HK$3.06M · loan HK$7.14M · min. income ≈ HK$69,256/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,250
−HK$1,958/mo
▼ 0.25% · 3.875%
HK$37,222
−HK$986/mo
Today · 4.125%
HK$38,208
baseline
▲ 0.50% · 4.625%
HK$40,222
+HK$2,014/mo
Deposit HK$3.06M · loan HK$7.14M · min. income ≈ HK$76,416/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,894
−HK$2,627/mo
▼ 0.25% · 3.875%
HK$43,197
−HK$1,324/mo
Today · 4.125%
HK$44,521
baseline
▲ 0.50% · 4.625%
HK$47,230
+HK$2,709/mo
Deposit HK$1.02M · loan HK$9.19M · min. income ≈ HK$89,042/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,607
−HK$2,518/mo
▼ 0.25% · 3.875%
HK$47,857
−HK$1,268/mo
Today · 4.125%
HK$49,125
baseline
▲ 0.50% · 4.625%
HK$51,714
+HK$2,589/mo
Deposit HK$1.02M · loan HK$9.19M · min. income ≈ HK$98,250/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,761 · Scale 2, in force from 26 Feb 2026)