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$23,350
−HK$1,465/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$384,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,977
−HK$1,404/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$384,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,020
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$28,892
−HK$886/mo
Today · 4.125%
HK$29,778
baseline
▲ 0.50% · 4.625%
HK$31,589
+HK$1,811/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$384,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,172
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$32,008
−HK$849/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$384,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,691
−HK$2,049/mo
▼ 0.25% · 3.875%
HK$33,707
−HK$1,033/mo
Today · 4.125%
HK$34,740
baseline
▲ 0.50% · 4.625%
HK$36,854
+HK$2,114/mo
Deposit HK$3.07M · loan HK$7.17M · min. income ≈ HK$69,480/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,368
−HK$1,965/mo
▼ 0.25% · 3.875%
HK$37,343
−HK$990/mo
Today · 4.125%
HK$38,333
baseline
▲ 0.50% · 4.625%
HK$40,353
+HK$2,020/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$384,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,031
−HK$2,635/mo
▼ 0.25% · 3.875%
HK$43,338
−HK$1,328/mo
Today · 4.125%
HK$44,666
baseline
▲ 0.50% · 4.625%
HK$47,384
+HK$2,718/mo
Deposit HK$1.02M · loan HK$9.22M · min. income ≈ HK$89,332/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,759
−HK$2,526/mo
▼ 0.25% · 3.875%
HK$48,013
−HK$1,272/mo
Today · 4.125%
HK$49,285
baseline
▲ 0.50% · 4.625%
HK$51,883
+HK$2,598/mo
Deposit HK$1.02M · loan HK$9.22M · min. income ≈ HK$98,570/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,009 · Scale 2, in force from 26 Feb 2026)