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$23,366
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$24,093
−HK$739/mo
Today · 4.125%
HK$24,832
baseline
▲ 0.50% · 4.625%
HK$26,342
+HK$1,510/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$49,664/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,995
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$26,692
−HK$707/mo
Today · 4.125%
HK$27,399
baseline
▲ 0.50% · 4.625%
HK$28,843
+HK$1,444/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$54,798/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,040
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$28,912
−HK$886/mo
Today · 4.125%
HK$29,798
baseline
▲ 0.50% · 4.625%
HK$31,611
+HK$1,813/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$59,596/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$384,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,194
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$32,030
−HK$849/mo
Today · 4.125%
HK$32,879
baseline
▲ 0.50% · 4.625%
HK$34,612
+HK$1,733/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$65,758/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$384,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,713
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$33,730
−HK$1,034/mo
Today · 4.125%
HK$34,764
baseline
▲ 0.50% · 4.625%
HK$36,879
+HK$2,115/mo
Deposit HK$3.07M · loan HK$7.17M · min. income ≈ HK$69,528/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,393
−HK$1,966/mo
▼ 0.25% · 3.875%
HK$37,369
−HK$990/mo
Today · 4.125%
HK$38,359
baseline
▲ 0.50% · 4.625%
HK$40,381
+HK$2,022/mo
Deposit HK$3.07M · loan HK$7.17M · min. income ≈ HK$76,718/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,059
−HK$2,638/mo
▼ 0.25% · 3.875%
HK$43,368
−HK$1,329/mo
Today · 4.125%
HK$44,697
baseline
▲ 0.50% · 4.625%
HK$47,416
+HK$2,719/mo
Deposit HK$1.02M · loan HK$9.22M · min. income ≈ HK$89,394/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,791
−HK$2,527/mo
▼ 0.25% · 3.875%
HK$48,045
−HK$1,273/mo
Today · 4.125%
HK$49,318
baseline
▲ 0.50% · 4.625%
HK$51,918
+HK$2,600/mo
Deposit HK$1.02M · loan HK$9.22M · min. income ≈ HK$98,636/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,271 · Scale 2, in force from 26 Feb 2026)