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$23,351
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$24,077
−HK$738/mo
Today · 4.125%
HK$24,815
baseline
▲ 0.50% · 4.625%
HK$26,325
+HK$1,510/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$49,630/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$384,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,978
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$26,674
−HK$707/mo
Today · 4.125%
HK$27,381
baseline
▲ 0.50% · 4.625%
HK$28,824
+HK$1,443/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$54,762/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$384,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,021
−HK$1,757/mo
▼ 0.25% · 3.875%
HK$28,893
−HK$885/mo
Today · 4.125%
HK$29,778
baseline
▲ 0.50% · 4.625%
HK$31,590
+HK$1,812/mo
Deposit HK$4.10M · loan HK$6.14M · min. income ≈ HK$59,556/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$384,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,173
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$32,009
−HK$848/mo
Today · 4.125%
HK$32,857
baseline
▲ 0.50% · 4.625%
HK$34,589
+HK$1,732/mo
Deposit HK$4.10M · loan HK$6.14M · min. income ≈ HK$65,714/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$384,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,691
−HK$2,050/mo
▼ 0.25% · 3.875%
HK$33,708
−HK$1,033/mo
Today · 4.125%
HK$34,741
baseline
▲ 0.50% · 4.625%
HK$36,855
+HK$2,114/mo
Deposit HK$3.07M · loan HK$7.17M · min. income ≈ HK$69,482/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,369
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$37,344
−HK$989/mo
Today · 4.125%
HK$38,333
baseline
▲ 0.50% · 4.625%
HK$40,354
+HK$2,021/mo
Deposit HK$3.07M · loan HK$7.17M · min. income ≈ HK$76,666/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,031
−HK$2,636/mo
▼ 0.25% · 3.875%
HK$43,339
−HK$1,328/mo
Today · 4.125%
HK$44,667
baseline
▲ 0.50% · 4.625%
HK$47,385
+HK$2,718/mo
Deposit HK$1.02M · loan HK$9.22M · min. income ≈ HK$89,334/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,760
−HK$2,526/mo
▼ 0.25% · 3.875%
HK$48,014
−HK$1,272/mo
Today · 4.125%
HK$49,286
baseline
▲ 0.50% · 4.625%
HK$51,884
+HK$2,598/mo
Deposit HK$1.02M · loan HK$9.22M · min. income ≈ HK$98,572/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,017 · Scale 2, in force from 26 Feb 2026)