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$23,369
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$24,096
−HK$739/mo
Today · 4.125%
HK$24,835
baseline
▲ 0.50% · 4.625%
HK$26,346
+HK$1,511/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$49,670/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,998
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$26,696
−HK$707/mo
Today · 4.125%
HK$27,403
baseline
▲ 0.50% · 4.625%
HK$28,847
+HK$1,444/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$54,806/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,043
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$28,916
−HK$886/mo
Today · 4.125%
HK$29,802
baseline
▲ 0.50% · 4.625%
HK$31,615
+HK$1,813/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$59,604/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$384,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,198
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$32,035
−HK$848/mo
Today · 4.125%
HK$32,883
baseline
▲ 0.50% · 4.625%
HK$34,617
+HK$1,734/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$65,766/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$384,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,717
−HK$2,052/mo
▼ 0.25% · 3.875%
HK$33,735
−HK$1,034/mo
Today · 4.125%
HK$34,769
baseline
▲ 0.50% · 4.625%
HK$36,884
+HK$2,115/mo
Deposit HK$3.07M · loan HK$7.17M · min. income ≈ HK$69,538/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,398
−HK$1,966/mo
▼ 0.25% · 3.875%
HK$37,374
−HK$990/mo
Today · 4.125%
HK$38,364
baseline
▲ 0.50% · 4.625%
HK$40,386
+HK$2,022/mo
Deposit HK$3.07M · loan HK$7.17M · min. income ≈ HK$76,728/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,065
−HK$2,638/mo
▼ 0.25% · 3.875%
HK$43,373
−HK$1,330/mo
Today · 4.125%
HK$44,703
baseline
▲ 0.50% · 4.625%
HK$47,423
+HK$2,720/mo
Deposit HK$1.02M · loan HK$9.22M · min. income ≈ HK$89,406/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,797
−HK$2,528/mo
▼ 0.25% · 3.875%
HK$48,052
−HK$1,273/mo
Today · 4.125%
HK$49,325
baseline
▲ 0.50% · 4.625%
HK$51,925
+HK$2,600/mo
Deposit HK$1.02M · loan HK$9.22M · min. income ≈ HK$98,650/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,323 · Scale 2, in force from 26 Feb 2026)