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$23,334
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$24,060
−HK$737/mo
Today · 4.125%
HK$24,797
baseline
▲ 0.50% · 4.625%
HK$26,306
+HK$1,509/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$49,594/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$383,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,959
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$26,655
−HK$706/mo
Today · 4.125%
HK$27,361
baseline
▲ 0.50% · 4.625%
HK$28,803
+HK$1,442/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$54,722/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$383,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,001
−HK$1,755/mo
▼ 0.25% · 3.875%
HK$28,872
−HK$884/mo
Today · 4.125%
HK$29,756
baseline
▲ 0.50% · 4.625%
HK$31,567
+HK$1,811/mo
Deposit HK$4.09M · loan HK$6.14M · min. income ≈ HK$59,512/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$383,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,150
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$31,986
−HK$847/mo
Today · 4.125%
HK$32,833
baseline
▲ 0.50% · 4.625%
HK$34,564
+HK$1,731/mo
Deposit HK$4.09M · loan HK$6.14M · min. income ≈ HK$65,666/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$383,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,667
−HK$2,049/mo
▼ 0.25% · 3.875%
HK$33,683
−HK$1,033/mo
Today · 4.125%
HK$34,716
baseline
▲ 0.50% · 4.625%
HK$36,828
+HK$2,112/mo
Deposit HK$3.07M · loan HK$7.16M · min. income ≈ HK$69,432/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,342
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$37,317
−HK$989/mo
Today · 4.125%
HK$38,306
baseline
▲ 0.50% · 4.625%
HK$40,325
+HK$2,019/mo
Deposit HK$3.07M · loan HK$7.16M · min. income ≈ HK$76,612/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,001
−HK$2,634/mo
▼ 0.25% · 3.875%
HK$43,307
−HK$1,328/mo
Today · 4.125%
HK$44,635
baseline
▲ 0.50% · 4.625%
HK$47,351
+HK$2,716/mo
Deposit HK$1.02M · loan HK$9.21M · min. income ≈ HK$89,270/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,726
−HK$2,524/mo
▼ 0.25% · 3.875%
HK$47,979
−HK$1,271/mo
Today · 4.125%
HK$49,250
baseline
▲ 0.50% · 4.625%
HK$51,846
+HK$2,596/mo
Deposit HK$1.02M · loan HK$9.21M · min. income ≈ HK$98,500/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,737 · Scale 2, in force from 26 Feb 2026)