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$23,364
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$24,091
−HK$738/mo
Today · 4.125%
HK$24,829
baseline
▲ 0.50% · 4.625%
HK$26,340
+HK$1,511/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$49,658/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,992
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$26,690
−HK$707/mo
Today · 4.125%
HK$27,397
baseline
▲ 0.50% · 4.625%
HK$28,841
+HK$1,444/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$54,794/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,037
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$28,909
−HK$886/mo
Today · 4.125%
HK$29,795
baseline
▲ 0.50% · 4.625%
HK$31,608
+HK$1,813/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$59,590/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$384,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,191
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$32,027
−HK$849/mo
Today · 4.125%
HK$32,876
baseline
▲ 0.50% · 4.625%
HK$34,609
+HK$1,733/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$65,752/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$384,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,710
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$33,727
−HK$1,034/mo
Today · 4.125%
HK$34,761
baseline
▲ 0.50% · 4.625%
HK$36,876
+HK$2,115/mo
Deposit HK$3.07M · loan HK$7.17M · min. income ≈ HK$69,522/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,389
−HK$1,966/mo
▼ 0.25% · 3.875%
HK$37,365
−HK$990/mo
Today · 4.125%
HK$38,355
baseline
▲ 0.50% · 4.625%
HK$40,377
+HK$2,022/mo
Deposit HK$3.07M · loan HK$7.17M · min. income ≈ HK$76,710/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,056
−HK$2,637/mo
▼ 0.25% · 3.875%
HK$43,364
−HK$1,329/mo
Today · 4.125%
HK$44,693
baseline
▲ 0.50% · 4.625%
HK$47,412
+HK$2,719/mo
Deposit HK$1.02M · loan HK$9.22M · min. income ≈ HK$89,386/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,786
−HK$2,528/mo
▼ 0.25% · 3.875%
HK$48,041
−HK$1,273/mo
Today · 4.125%
HK$49,314
baseline
▲ 0.50% · 4.625%
HK$51,914
+HK$2,600/mo
Deposit HK$1.02M · loan HK$9.22M · min. income ≈ HK$98,628/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,237 · Scale 2, in force from 26 Feb 2026)