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$23,369
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$24,096
−HK$738/mo
Today · 4.125%
HK$24,834
baseline
▲ 0.50% · 4.625%
HK$26,346
+HK$1,512/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$49,668/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,998
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$26,695
−HK$707/mo
Today · 4.125%
HK$27,402
baseline
▲ 0.50% · 4.625%
HK$28,847
+HK$1,445/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$54,804/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,043
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$28,915
−HK$886/mo
Today · 4.125%
HK$29,801
baseline
▲ 0.50% · 4.625%
HK$31,615
+HK$1,814/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$59,602/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$384,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,197
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$32,034
−HK$849/mo
Today · 4.125%
HK$32,883
baseline
▲ 0.50% · 4.625%
HK$34,616
+HK$1,733/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$65,766/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$384,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,717
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$33,734
−HK$1,034/mo
Today · 4.125%
HK$34,768
baseline
▲ 0.50% · 4.625%
HK$36,884
+HK$2,116/mo
Deposit HK$3.07M · loan HK$7.17M · min. income ≈ HK$69,536/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,397
−HK$1,966/mo
▼ 0.25% · 3.875%
HK$37,373
−HK$990/mo
Today · 4.125%
HK$38,363
baseline
▲ 0.50% · 4.625%
HK$40,386
+HK$2,023/mo
Deposit HK$3.07M · loan HK$7.17M · min. income ≈ HK$76,726/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,064
−HK$2,638/mo
▼ 0.25% · 3.875%
HK$43,373
−HK$1,329/mo
Today · 4.125%
HK$44,702
baseline
▲ 0.50% · 4.625%
HK$47,422
+HK$2,720/mo
Deposit HK$1.02M · loan HK$9.22M · min. income ≈ HK$89,404/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,796
−HK$2,528/mo
▼ 0.25% · 3.875%
HK$48,051
−HK$1,273/mo
Today · 4.125%
HK$49,324
baseline
▲ 0.50% · 4.625%
HK$51,924
+HK$2,600/mo
Deposit HK$1.02M · loan HK$9.22M · min. income ≈ HK$98,648/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,316 · Scale 2, in force from 26 Feb 2026)