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$23,336
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$24,062
−HK$738/mo
Today · 4.125%
HK$24,800
baseline
▲ 0.50% · 4.625%
HK$26,309
+HK$1,509/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$49,600/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$383,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,962
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$26,658
−HK$706/mo
Today · 4.125%
HK$27,364
baseline
▲ 0.50% · 4.625%
HK$28,807
+HK$1,443/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$54,728/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$383,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,004
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$28,875
−HK$885/mo
Today · 4.125%
HK$29,760
baseline
▲ 0.50% · 4.625%
HK$31,571
+HK$1,811/mo
Deposit HK$4.09M · loan HK$6.14M · min. income ≈ HK$59,520/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$383,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,154
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$31,989
−HK$848/mo
Today · 4.125%
HK$32,837
baseline
▲ 0.50% · 4.625%
HK$34,568
+HK$1,731/mo
Deposit HK$4.09M · loan HK$6.14M · min. income ≈ HK$65,674/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$383,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,671
−HK$2,049/mo
▼ 0.25% · 3.875%
HK$33,687
−HK$1,033/mo
Today · 4.125%
HK$34,720
baseline
▲ 0.50% · 4.625%
HK$36,832
+HK$2,112/mo
Deposit HK$3.07M · loan HK$7.16M · min. income ≈ HK$69,440/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,346
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$37,321
−HK$989/mo
Today · 4.125%
HK$38,310
baseline
▲ 0.50% · 4.625%
HK$40,329
+HK$2,019/mo
Deposit HK$3.07M · loan HK$7.16M · min. income ≈ HK$76,620/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,006
−HK$2,634/mo
▼ 0.25% · 3.875%
HK$43,312
−HK$1,328/mo
Today · 4.125%
HK$44,640
baseline
▲ 0.50% · 4.625%
HK$47,356
+HK$2,716/mo
Deposit HK$1.02M · loan HK$9.21M · min. income ≈ HK$89,280/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,731
−HK$2,524/mo
▼ 0.25% · 3.875%
HK$47,984
−HK$1,271/mo
Today · 4.125%
HK$49,255
baseline
▲ 0.50% · 4.625%
HK$51,852
+HK$2,597/mo
Deposit HK$1.02M · loan HK$9.21M · min. income ≈ HK$98,510/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,780 · Scale 2, in force from 26 Feb 2026)