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$23,370
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$24,097
−HK$739/mo
Today · 4.125%
HK$24,836
baseline
▲ 0.50% · 4.625%
HK$26,347
+HK$1,511/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$49,672/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,999
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$26,696
−HK$708/mo
Today · 4.125%
HK$27,404
baseline
▲ 0.50% · 4.625%
HK$28,848
+HK$1,444/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$54,808/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,044
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$28,917
−HK$886/mo
Today · 4.125%
HK$29,803
baseline
▲ 0.50% · 4.625%
HK$31,616
+HK$1,813/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$59,606/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$384,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,199
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$32,036
−HK$848/mo
Today · 4.125%
HK$32,884
baseline
▲ 0.50% · 4.625%
HK$34,618
+HK$1,734/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$65,768/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$384,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,718
−HK$2,052/mo
▼ 0.25% · 3.875%
HK$33,736
−HK$1,034/mo
Today · 4.125%
HK$34,770
baseline
▲ 0.50% · 4.625%
HK$36,886
+HK$2,116/mo
Deposit HK$3.07M · loan HK$7.17M · min. income ≈ HK$69,540/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,399
−HK$1,966/mo
▼ 0.25% · 3.875%
HK$37,375
−HK$990/mo
Today · 4.125%
HK$38,365
baseline
▲ 0.50% · 4.625%
HK$40,387
+HK$2,022/mo
Deposit HK$3.07M · loan HK$7.17M · min. income ≈ HK$76,730/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,066
−HK$2,638/mo
▼ 0.25% · 3.875%
HK$43,375
−HK$1,329/mo
Today · 4.125%
HK$44,704
baseline
▲ 0.50% · 4.625%
HK$47,424
+HK$2,720/mo
Deposit HK$1.02M · loan HK$9.22M · min. income ≈ HK$89,408/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,798
−HK$2,529/mo
▼ 0.25% · 3.875%
HK$48,053
−HK$1,274/mo
Today · 4.125%
HK$49,327
baseline
▲ 0.50% · 4.625%
HK$51,927
+HK$2,600/mo
Deposit HK$1.02M · loan HK$9.22M · min. income ≈ HK$98,654/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,335 · Scale 2, in force from 26 Feb 2026)