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$23,355
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$24,081
−HK$738/mo
Today · 4.125%
HK$24,819
baseline
▲ 0.50% · 4.625%
HK$26,330
+HK$1,511/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$49,638/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,982
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$26,679
−HK$707/mo
Today · 4.125%
HK$27,386
baseline
▲ 0.50% · 4.625%
HK$28,829
+HK$1,443/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$54,772/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,026
−HK$1,757/mo
▼ 0.25% · 3.875%
HK$28,897
−HK$886/mo
Today · 4.125%
HK$29,783
baseline
▲ 0.50% · 4.625%
HK$31,595
+HK$1,812/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$59,566/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$384,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,178
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$32,015
−HK$848/mo
Today · 4.125%
HK$32,863
baseline
▲ 0.50% · 4.625%
HK$34,595
+HK$1,732/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$65,726/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$384,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,697
−HK$2,050/mo
▼ 0.25% · 3.875%
HK$33,714
−HK$1,033/mo
Today · 4.125%
HK$34,747
baseline
▲ 0.50% · 4.625%
HK$36,861
+HK$2,114/mo
Deposit HK$3.07M · loan HK$7.17M · min. income ≈ HK$69,494/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,375
−HK$1,965/mo
▼ 0.25% · 3.875%
HK$37,350
−HK$990/mo
Today · 4.125%
HK$38,340
baseline
▲ 0.50% · 4.625%
HK$40,361
+HK$2,021/mo
Deposit HK$3.07M · loan HK$7.17M · min. income ≈ HK$76,680/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,039
−HK$2,636/mo
▼ 0.25% · 3.875%
HK$43,346
−HK$1,329/mo
Today · 4.125%
HK$44,675
baseline
▲ 0.50% · 4.625%
HK$47,393
+HK$2,718/mo
Deposit HK$1.02M · loan HK$9.22M · min. income ≈ HK$89,350/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,767
−HK$2,527/mo
▼ 0.25% · 3.875%
HK$48,022
−HK$1,272/mo
Today · 4.125%
HK$49,294
baseline
▲ 0.50% · 4.625%
HK$51,893
+HK$2,599/mo
Deposit HK$1.02M · loan HK$9.22M · min. income ≈ HK$98,588/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,082 · Scale 2, in force from 26 Feb 2026)