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$23,357
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$24,083
−HK$739/mo
Today · 4.125%
HK$24,822
baseline
▲ 0.50% · 4.625%
HK$26,332
+HK$1,510/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$49,644/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,984
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$26,681
−HK$707/mo
Today · 4.125%
HK$27,388
baseline
▲ 0.50% · 4.625%
HK$28,832
+HK$1,444/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$54,776/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,028
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$28,900
−HK$886/mo
Today · 4.125%
HK$29,786
baseline
▲ 0.50% · 4.625%
HK$31,598
+HK$1,812/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$59,572/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$384,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,181
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$32,017
−HK$849/mo
Today · 4.125%
HK$32,866
baseline
▲ 0.50% · 4.625%
HK$34,598
+HK$1,732/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$65,732/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$384,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,700
−HK$2,050/mo
▼ 0.25% · 3.875%
HK$33,717
−HK$1,033/mo
Today · 4.125%
HK$34,750
baseline
▲ 0.50% · 4.625%
HK$36,865
+HK$2,115/mo
Deposit HK$3.07M · loan HK$7.17M · min. income ≈ HK$69,500/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,378
−HK$1,965/mo
▼ 0.25% · 3.875%
HK$37,354
−HK$989/mo
Today · 4.125%
HK$38,343
baseline
▲ 0.50% · 4.625%
HK$40,364
+HK$2,021/mo
Deposit HK$3.07M · loan HK$7.17M · min. income ≈ HK$76,686/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,042
−HK$2,637/mo
▼ 0.25% · 3.875%
HK$43,350
−HK$1,329/mo
Today · 4.125%
HK$44,679
baseline
▲ 0.50% · 4.625%
HK$47,397
+HK$2,718/mo
Deposit HK$1.02M · loan HK$9.22M · min. income ≈ HK$89,358/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,772
−HK$2,527/mo
▼ 0.25% · 3.875%
HK$48,026
−HK$1,273/mo
Today · 4.125%
HK$49,299
baseline
▲ 0.50% · 4.625%
HK$51,897
+HK$2,598/mo
Deposit HK$1.02M · loan HK$9.22M · min. income ≈ HK$98,598/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,116 · Scale 2, in force from 26 Feb 2026)