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$23,354
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$24,080
−HK$738/mo
Today · 4.125%
HK$24,818
baseline
▲ 0.50% · 4.625%
HK$26,328
+HK$1,510/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$49,636/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$384,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,981
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$26,678
−HK$706/mo
Today · 4.125%
HK$27,384
baseline
▲ 0.50% · 4.625%
HK$28,828
+HK$1,444/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$54,768/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$384,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,024
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$28,896
−HK$886/mo
Today · 4.125%
HK$29,782
baseline
▲ 0.50% · 4.625%
HK$31,594
+HK$1,812/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$59,564/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$384,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,177
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$32,013
−HK$848/mo
Today · 4.125%
HK$32,861
baseline
▲ 0.50% · 4.625%
HK$34,593
+HK$1,732/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$65,722/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$384,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,695
−HK$2,050/mo
▼ 0.25% · 3.875%
HK$33,712
−HK$1,033/mo
Today · 4.125%
HK$34,745
baseline
▲ 0.50% · 4.625%
HK$36,860
+HK$2,115/mo
Deposit HK$3.07M · loan HK$7.17M · min. income ≈ HK$69,490/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,373
−HK$1,965/mo
▼ 0.25% · 3.875%
HK$37,349
−HK$989/mo
Today · 4.125%
HK$38,338
baseline
▲ 0.50% · 4.625%
HK$40,359
+HK$2,021/mo
Deposit HK$3.07M · loan HK$7.17M · min. income ≈ HK$76,676/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,037
−HK$2,636/mo
▼ 0.25% · 3.875%
HK$43,344
−HK$1,329/mo
Today · 4.125%
HK$44,673
baseline
▲ 0.50% · 4.625%
HK$47,391
+HK$2,718/mo
Deposit HK$1.02M · loan HK$9.22M · min. income ≈ HK$89,346/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,765
−HK$2,527/mo
▼ 0.25% · 3.875%
HK$48,020
−HK$1,272/mo
Today · 4.125%
HK$49,292
baseline
▲ 0.50% · 4.625%
HK$51,890
+HK$2,598/mo
Deposit HK$1.02M · loan HK$9.22M · min. income ≈ HK$98,584/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,064 · Scale 2, in force from 26 Feb 2026)