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$23,358
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$24,084
−HK$738/mo
Today · 4.125%
HK$24,822
baseline
▲ 0.50% · 4.625%
HK$26,333
+HK$1,511/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$49,644/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,985
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$26,682
−HK$707/mo
Today · 4.125%
HK$27,389
baseline
▲ 0.50% · 4.625%
HK$28,833
+HK$1,444/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$54,778/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,029
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$28,901
−HK$886/mo
Today · 4.125%
HK$29,787
baseline
▲ 0.50% · 4.625%
HK$31,599
+HK$1,812/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$59,574/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$384,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,182
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$32,019
−HK$848/mo
Today · 4.125%
HK$32,867
baseline
▲ 0.50% · 4.625%
HK$34,599
+HK$1,732/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$65,734/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$384,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,701
−HK$2,050/mo
▼ 0.25% · 3.875%
HK$33,718
−HK$1,033/mo
Today · 4.125%
HK$34,751
baseline
▲ 0.50% · 4.625%
HK$36,866
+HK$2,115/mo
Deposit HK$3.07M · loan HK$7.17M · min. income ≈ HK$69,502/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,379
−HK$1,966/mo
▼ 0.25% · 3.875%
HK$37,355
−HK$990/mo
Today · 4.125%
HK$38,345
baseline
▲ 0.50% · 4.625%
HK$40,366
+HK$2,021/mo
Deposit HK$3.07M · loan HK$7.17M · min. income ≈ HK$76,690/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,044
−HK$2,636/mo
▼ 0.25% · 3.875%
HK$43,352
−HK$1,328/mo
Today · 4.125%
HK$44,680
baseline
▲ 0.50% · 4.625%
HK$47,399
+HK$2,719/mo
Deposit HK$1.02M · loan HK$9.22M · min. income ≈ HK$89,360/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,773
−HK$2,528/mo
▼ 0.25% · 3.875%
HK$48,028
−HK$1,273/mo
Today · 4.125%
HK$49,301
baseline
▲ 0.50% · 4.625%
HK$51,899
+HK$2,598/mo
Deposit HK$1.02M · loan HK$9.22M · min. income ≈ HK$98,602/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,131 · Scale 2, in force from 26 Feb 2026)