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$23,342
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$24,068
−HK$738/mo
Today · 4.125%
HK$24,806
baseline
▲ 0.50% · 4.625%
HK$26,315
+HK$1,509/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$49,612/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$383,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,968
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$26,664
−HK$707/mo
Today · 4.125%
HK$27,371
baseline
▲ 0.50% · 4.625%
HK$28,813
+HK$1,442/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$54,742/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$383,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,010
−HK$1,757/mo
▼ 0.25% · 3.875%
HK$28,882
−HK$885/mo
Today · 4.125%
HK$29,767
baseline
▲ 0.50% · 4.625%
HK$31,578
+HK$1,811/mo
Deposit HK$4.09M · loan HK$6.14M · min. income ≈ HK$59,534/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$383,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,161
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$31,997
−HK$848/mo
Today · 4.125%
HK$32,845
baseline
▲ 0.50% · 4.625%
HK$34,576
+HK$1,731/mo
Deposit HK$4.09M · loan HK$6.14M · min. income ≈ HK$65,690/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$383,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,679
−HK$2,049/mo
▼ 0.25% · 3.875%
HK$33,695
−HK$1,033/mo
Today · 4.125%
HK$34,728
baseline
▲ 0.50% · 4.625%
HK$36,841
+HK$2,113/mo
Deposit HK$3.07M · loan HK$7.17M · min. income ≈ HK$69,456/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,355
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$37,330
−HK$989/mo
Today · 4.125%
HK$38,319
baseline
▲ 0.50% · 4.625%
HK$40,339
+HK$2,020/mo
Deposit HK$3.07M · loan HK$7.17M · min. income ≈ HK$76,638/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,015
−HK$2,635/mo
▼ 0.25% · 3.875%
HK$43,322
−HK$1,328/mo
Today · 4.125%
HK$44,650
baseline
▲ 0.50% · 4.625%
HK$47,367
+HK$2,717/mo
Deposit HK$1.02M · loan HK$9.21M · min. income ≈ HK$89,300/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,742
−HK$2,525/mo
▼ 0.25% · 3.875%
HK$47,995
−HK$1,272/mo
Today · 4.125%
HK$49,267
baseline
▲ 0.50% · 4.625%
HK$51,864
+HK$2,597/mo
Deposit HK$1.02M · loan HK$9.21M · min. income ≈ HK$98,534/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,871 · Scale 2, in force from 26 Feb 2026)