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$23,335
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$24,060
−HK$738/mo
Today · 4.125%
HK$24,798
baseline
▲ 0.50% · 4.625%
HK$26,307
+HK$1,509/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$49,596/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$383,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,959
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$26,656
−HK$706/mo
Today · 4.125%
HK$27,362
baseline
▲ 0.50% · 4.625%
HK$28,804
+HK$1,442/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$54,724/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$383,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,001
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$28,872
−HK$885/mo
Today · 4.125%
HK$29,757
baseline
▲ 0.50% · 4.625%
HK$31,568
+HK$1,811/mo
Deposit HK$4.09M · loan HK$6.14M · min. income ≈ HK$59,514/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$383,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,151
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$31,987
−HK$847/mo
Today · 4.125%
HK$32,834
baseline
▲ 0.50% · 4.625%
HK$34,565
+HK$1,731/mo
Deposit HK$4.09M · loan HK$6.14M · min. income ≈ HK$65,668/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$383,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,668
−HK$2,049/mo
▼ 0.25% · 3.875%
HK$33,685
−HK$1,032/mo
Today · 4.125%
HK$34,717
baseline
▲ 0.50% · 4.625%
HK$36,829
+HK$2,112/mo
Deposit HK$3.07M · loan HK$7.16M · min. income ≈ HK$69,434/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,343
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$37,318
−HK$989/mo
Today · 4.125%
HK$38,307
baseline
▲ 0.50% · 4.625%
HK$40,326
+HK$2,019/mo
Deposit HK$3.07M · loan HK$7.16M · min. income ≈ HK$76,614/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,002
−HK$2,634/mo
▼ 0.25% · 3.875%
HK$43,309
−HK$1,327/mo
Today · 4.125%
HK$44,636
baseline
▲ 0.50% · 4.625%
HK$47,352
+HK$2,716/mo
Deposit HK$1.02M · loan HK$9.21M · min. income ≈ HK$89,272/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,727
−HK$2,525/mo
▼ 0.25% · 3.875%
HK$47,980
−HK$1,272/mo
Today · 4.125%
HK$49,252
baseline
▲ 0.50% · 4.625%
HK$51,848
+HK$2,596/mo
Deposit HK$1.02M · loan HK$9.21M · min. income ≈ HK$98,504/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,750 · Scale 2, in force from 26 Feb 2026)