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$23,327
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$24,053
−HK$737/mo
Today · 4.125%
HK$24,790
baseline
▲ 0.50% · 4.625%
HK$26,298
+HK$1,508/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$49,580/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$383,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,951
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$26,647
−HK$706/mo
Today · 4.125%
HK$27,353
baseline
▲ 0.50% · 4.625%
HK$28,795
+HK$1,442/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$54,706/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$383,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,993
−HK$1,755/mo
▼ 0.25% · 3.875%
HK$28,863
−HK$885/mo
Today · 4.125%
HK$29,748
baseline
▲ 0.50% · 4.625%
HK$31,558
+HK$1,810/mo
Deposit HK$4.09M · loan HK$6.14M · min. income ≈ HK$59,496/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$383,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,142
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$31,977
−HK$847/mo
Today · 4.125%
HK$32,824
baseline
▲ 0.50% · 4.625%
HK$34,554
+HK$1,730/mo
Deposit HK$4.09M · loan HK$6.14M · min. income ≈ HK$65,648/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$383,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,658
−HK$2,048/mo
▼ 0.25% · 3.875%
HK$33,674
−HK$1,032/mo
Today · 4.125%
HK$34,706
baseline
▲ 0.50% · 4.625%
HK$36,818
+HK$2,112/mo
Deposit HK$3.07M · loan HK$7.16M · min. income ≈ HK$69,412/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,332
−HK$1,963/mo
▼ 0.25% · 3.875%
HK$37,306
−HK$989/mo
Today · 4.125%
HK$38,295
baseline
▲ 0.50% · 4.625%
HK$40,313
+HK$2,018/mo
Deposit HK$3.07M · loan HK$7.16M · min. income ≈ HK$76,590/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,989
−HK$2,633/mo
▼ 0.25% · 3.875%
HK$43,295
−HK$1,327/mo
Today · 4.125%
HK$44,622
baseline
▲ 0.50% · 4.625%
HK$47,337
+HK$2,715/mo
Deposit HK$1.02M · loan HK$9.21M · min. income ≈ HK$89,244/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,712
−HK$2,524/mo
▼ 0.25% · 3.875%
HK$47,965
−HK$1,271/mo
Today · 4.125%
HK$49,236
baseline
▲ 0.50% · 4.625%
HK$51,831
+HK$2,595/mo
Deposit HK$1.02M · loan HK$9.21M · min. income ≈ HK$98,472/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,629 · Scale 2, in force from 26 Feb 2026)