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$23,367
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$24,094
−HK$738/mo
Today · 4.125%
HK$24,832
baseline
▲ 0.50% · 4.625%
HK$26,343
+HK$1,511/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$384,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,995
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$26,693
−HK$707/mo
Today · 4.125%
HK$27,400
baseline
▲ 0.50% · 4.625%
HK$28,844
+HK$1,444/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$54,800/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,040
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$28,912
−HK$887/mo
Today · 4.125%
HK$29,799
baseline
▲ 0.50% · 4.625%
HK$31,612
+HK$1,813/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$59,598/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$384,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,195
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$32,031
−HK$849/mo
Today · 4.125%
HK$32,880
baseline
▲ 0.50% · 4.625%
HK$34,613
+HK$1,733/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$65,760/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$384,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,714
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$33,731
−HK$1,034/mo
Today · 4.125%
HK$34,765
baseline
▲ 0.50% · 4.625%
HK$36,880
+HK$2,115/mo
Deposit HK$3.07M · loan HK$7.17M · min. income ≈ HK$69,530/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,394
−HK$1,966/mo
▼ 0.25% · 3.875%
HK$37,370
−HK$990/mo
Today · 4.125%
HK$38,360
baseline
▲ 0.50% · 4.625%
HK$40,382
+HK$2,022/mo
Deposit HK$3.07M · loan HK$7.17M · min. income ≈ HK$76,720/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,060
−HK$2,638/mo
▼ 0.25% · 3.875%
HK$43,369
−HK$1,329/mo
Today · 4.125%
HK$44,698
baseline
▲ 0.50% · 4.625%
HK$47,418
+HK$2,720/mo
Deposit HK$1.02M · loan HK$9.22M · min. income ≈ HK$89,396/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,792
−HK$2,528/mo
▼ 0.25% · 3.875%
HK$48,047
−HK$1,273/mo
Today · 4.125%
HK$49,320
baseline
▲ 0.50% · 4.625%
HK$51,919
+HK$2,599/mo
Deposit HK$1.02M · loan HK$9.22M · min. income ≈ HK$98,640/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,281 · Scale 2, in force from 26 Feb 2026)