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$23,328
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$24,053
−HK$738/mo
Today · 4.125%
HK$24,791
baseline
▲ 0.50% · 4.625%
HK$26,299
+HK$1,508/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$49,582/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$383,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,952
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$26,648
−HK$706/mo
Today · 4.125%
HK$27,354
baseline
▲ 0.50% · 4.625%
HK$28,796
+HK$1,442/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$54,708/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$383,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,993
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$28,864
−HK$885/mo
Today · 4.125%
HK$29,749
baseline
▲ 0.50% · 4.625%
HK$31,559
+HK$1,810/mo
Deposit HK$4.09M · loan HK$6.14M · min. income ≈ HK$59,498/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$383,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,142
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$31,977
−HK$848/mo
Today · 4.125%
HK$32,825
baseline
▲ 0.50% · 4.625%
HK$34,555
+HK$1,730/mo
Deposit HK$4.09M · loan HK$6.14M · min. income ≈ HK$65,650/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$383,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,659
−HK$2,048/mo
▼ 0.25% · 3.875%
HK$33,675
−HK$1,032/mo
Today · 4.125%
HK$34,707
baseline
▲ 0.50% · 4.625%
HK$36,819
+HK$2,112/mo
Deposit HK$3.07M · loan HK$7.16M · min. income ≈ HK$69,414/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,333
−HK$1,963/mo
▼ 0.25% · 3.875%
HK$37,307
−HK$989/mo
Today · 4.125%
HK$38,296
baseline
▲ 0.50% · 4.625%
HK$40,314
+HK$2,018/mo
Deposit HK$3.07M · loan HK$7.16M · min. income ≈ HK$76,592/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,990
−HK$2,633/mo
▼ 0.25% · 3.875%
HK$43,296
−HK$1,327/mo
Today · 4.125%
HK$44,623
baseline
▲ 0.50% · 4.625%
HK$47,338
+HK$2,715/mo
Deposit HK$1.02M · loan HK$9.21M · min. income ≈ HK$89,246/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,713
−HK$2,524/mo
▼ 0.25% · 3.875%
HK$47,966
−HK$1,271/mo
Today · 4.125%
HK$49,237
baseline
▲ 0.50% · 4.625%
HK$51,832
+HK$2,595/mo
Deposit HK$1.02M · loan HK$9.21M · min. income ≈ HK$98,474/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,637 · Scale 2, in force from 26 Feb 2026)