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$23,345
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$24,072
−HK$737/mo
Today · 4.125%
HK$24,809
baseline
▲ 0.50% · 4.625%
HK$26,319
+HK$1,510/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$49,618/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$383,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,972
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$26,668
−HK$707/mo
Today · 4.125%
HK$27,375
baseline
▲ 0.50% · 4.625%
HK$28,818
+HK$1,443/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$54,750/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$383,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,014
−HK$1,757/mo
▼ 0.25% · 3.875%
HK$28,886
−HK$885/mo
Today · 4.125%
HK$29,771
baseline
▲ 0.50% · 4.625%
HK$31,583
+HK$1,812/mo
Deposit HK$4.10M · loan HK$6.14M · min. income ≈ HK$59,542/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$383,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,166
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$32,002
−HK$848/mo
Today · 4.125%
HK$32,850
baseline
▲ 0.50% · 4.625%
HK$34,581
+HK$1,731/mo
Deposit HK$4.10M · loan HK$6.14M · min. income ≈ HK$65,700/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$383,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,684
−HK$2,049/mo
▼ 0.25% · 3.875%
HK$33,700
−HK$1,033/mo
Today · 4.125%
HK$34,733
baseline
▲ 0.50% · 4.625%
HK$36,847
+HK$2,114/mo
Deposit HK$3.07M · loan HK$7.17M · min. income ≈ HK$69,466/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$383,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,360
−HK$1,965/mo
▼ 0.25% · 3.875%
HK$37,335
−HK$990/mo
Today · 4.125%
HK$38,325
baseline
▲ 0.50% · 4.625%
HK$40,345
+HK$2,020/mo
Deposit HK$3.07M · loan HK$7.17M · min. income ≈ HK$76,650/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$383,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,022
−HK$2,635/mo
▼ 0.25% · 3.875%
HK$43,329
−HK$1,328/mo
Today · 4.125%
HK$44,657
baseline
▲ 0.50% · 4.625%
HK$47,374
+HK$2,717/mo
Deposit HK$1.02M · loan HK$9.21M · min. income ≈ HK$89,314/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,749
−HK$2,525/mo
▼ 0.25% · 3.875%
HK$48,003
−HK$1,271/mo
Today · 4.125%
HK$49,274
baseline
▲ 0.50% · 4.625%
HK$51,872
+HK$2,598/mo
Deposit HK$1.02M · loan HK$9.21M · min. income ≈ HK$98,548/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,928 · Scale 2, in force from 26 Feb 2026)