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$23,356
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$24,083
−HK$738/mo
Today · 4.125%
HK$24,821
baseline
▲ 0.50% · 4.625%
HK$26,331
+HK$1,510/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$49,642/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,984
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$26,680
−HK$707/mo
Today · 4.125%
HK$27,387
baseline
▲ 0.50% · 4.625%
HK$28,831
+HK$1,444/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$54,774/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,027
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$28,899
−HK$886/mo
Today · 4.125%
HK$29,785
baseline
▲ 0.50% · 4.625%
HK$31,597
+HK$1,812/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$59,570/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$384,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,180
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$32,016
−HK$849/mo
Today · 4.125%
HK$32,865
baseline
▲ 0.50% · 4.625%
HK$34,597
+HK$1,732/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$65,730/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$384,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,699
−HK$2,050/mo
▼ 0.25% · 3.875%
HK$33,716
−HK$1,033/mo
Today · 4.125%
HK$34,749
baseline
▲ 0.50% · 4.625%
HK$36,864
+HK$2,115/mo
Deposit HK$3.07M · loan HK$7.17M · min. income ≈ HK$69,498/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,377
−HK$1,965/mo
▼ 0.25% · 3.875%
HK$37,353
−HK$989/mo
Today · 4.125%
HK$38,342
baseline
▲ 0.50% · 4.625%
HK$40,363
+HK$2,021/mo
Deposit HK$3.07M · loan HK$7.17M · min. income ≈ HK$76,684/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,041
−HK$2,636/mo
▼ 0.25% · 3.875%
HK$43,349
−HK$1,328/mo
Today · 4.125%
HK$44,677
baseline
▲ 0.50% · 4.625%
HK$47,396
+HK$2,719/mo
Deposit HK$1.02M · loan HK$9.22M · min. income ≈ HK$89,354/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,770
−HK$2,527/mo
▼ 0.25% · 3.875%
HK$48,025
−HK$1,272/mo
Today · 4.125%
HK$49,297
baseline
▲ 0.50% · 4.625%
HK$51,896
+HK$2,599/mo
Deposit HK$1.02M · loan HK$9.22M · min. income ≈ HK$98,594/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,105 · Scale 2, in force from 26 Feb 2026)