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$23,263
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$23,987
−HK$735/mo
Today · 4.125%
HK$24,722
baseline
▲ 0.50% · 4.625%
HK$26,226
+HK$1,504/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$49,444/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$382,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,880
−HK$1,398/mo
▼ 0.25% · 3.875%
HK$26,574
−HK$704/mo
Today · 4.125%
HK$27,278
baseline
▲ 0.50% · 4.625%
HK$28,716
+HK$1,438/mo
Deposit HK$5.10M · loan HK$5.10M · min. income ≈ HK$54,556/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$382,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,916
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$28,784
−HK$882/mo
Today · 4.125%
HK$29,666
baseline
▲ 0.50% · 4.625%
HK$31,472
+HK$1,806/mo
Deposit HK$4.08M · loan HK$6.12M · min. income ≈ HK$59,332/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,056
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$31,889
−HK$845/mo
Today · 4.125%
HK$32,734
baseline
▲ 0.50% · 4.625%
HK$34,459
+HK$1,725/mo
Deposit HK$4.08M · loan HK$6.12M · min. income ≈ HK$65,468/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$382,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,568
−HK$2,043/mo
▼ 0.25% · 3.875%
HK$33,582
−HK$1,029/mo
Today · 4.125%
HK$34,611
baseline
▲ 0.50% · 4.625%
HK$36,717
+HK$2,106/mo
Deposit HK$3.06M · loan HK$7.14M · min. income ≈ HK$69,222/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,232
−HK$1,958/mo
▼ 0.25% · 3.875%
HK$37,204
−HK$986/mo
Today · 4.125%
HK$38,190
baseline
▲ 0.50% · 4.625%
HK$40,203
+HK$2,013/mo
Deposit HK$3.06M · loan HK$7.14M · min. income ≈ HK$76,380/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,874
−HK$2,626/mo
▼ 0.25% · 3.875%
HK$43,176
−HK$1,324/mo
Today · 4.125%
HK$44,500
baseline
▲ 0.50% · 4.625%
HK$47,207
+HK$2,707/mo
Deposit HK$1.02M · loan HK$9.18M · min. income ≈ HK$89,000/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,584
−HK$2,517/mo
▼ 0.25% · 3.875%
HK$47,833
−HK$1,268/mo
Today · 4.125%
HK$49,101
baseline
▲ 0.50% · 4.625%
HK$51,689
+HK$2,588/mo
Deposit HK$1.02M · loan HK$9.18M · min. income ≈ HK$98,202/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,576 · Scale 2, in force from 26 Feb 2026)