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$23,371
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$24,098
−HK$738/mo
Today · 4.125%
HK$24,836
baseline
▲ 0.50% · 4.625%
HK$26,347
+HK$1,511/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$49,672/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,000
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$26,697
−HK$707/mo
Today · 4.125%
HK$27,404
baseline
▲ 0.50% · 4.625%
HK$28,849
+HK$1,445/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$54,808/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,045
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$28,917
−HK$886/mo
Today · 4.125%
HK$29,803
baseline
▲ 0.50% · 4.625%
HK$31,617
+HK$1,814/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$59,606/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$384,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,200
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$32,036
−HK$849/mo
Today · 4.125%
HK$32,885
baseline
▲ 0.50% · 4.625%
HK$34,619
+HK$1,734/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$65,770/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$384,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,719
−HK$2,052/mo
▼ 0.25% · 3.875%
HK$33,737
−HK$1,034/mo
Today · 4.125%
HK$34,771
baseline
▲ 0.50% · 4.625%
HK$36,886
+HK$2,115/mo
Deposit HK$3.07M · loan HK$7.17M · min. income ≈ HK$69,542/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,400
−HK$1,966/mo
▼ 0.25% · 3.875%
HK$37,376
−HK$990/mo
Today · 4.125%
HK$38,366
baseline
▲ 0.50% · 4.625%
HK$40,388
+HK$2,022/mo
Deposit HK$3.07M · loan HK$7.17M · min. income ≈ HK$76,732/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,067
−HK$2,638/mo
▼ 0.25% · 3.875%
HK$43,376
−HK$1,329/mo
Today · 4.125%
HK$44,705
baseline
▲ 0.50% · 4.625%
HK$47,425
+HK$2,720/mo
Deposit HK$1.02M · loan HK$9.22M · min. income ≈ HK$89,410/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,799
−HK$2,529/mo
▼ 0.25% · 3.875%
HK$48,054
−HK$1,274/mo
Today · 4.125%
HK$49,328
baseline
▲ 0.50% · 4.625%
HK$51,928
+HK$2,600/mo
Deposit HK$1.02M · loan HK$9.22M · min. income ≈ HK$98,656/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,343 · Scale 2, in force from 26 Feb 2026)