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$23,337
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$24,063
−HK$737/mo
Today · 4.125%
HK$24,800
baseline
▲ 0.50% · 4.625%
HK$26,309
+HK$1,509/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$49,600/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$383,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,962
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$26,658
−HK$707/mo
Today · 4.125%
HK$27,365
baseline
▲ 0.50% · 4.625%
HK$28,807
+HK$1,442/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$54,730/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$383,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,004
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$28,875
−HK$885/mo
Today · 4.125%
HK$29,760
baseline
▲ 0.50% · 4.625%
HK$31,571
+HK$1,811/mo
Deposit HK$4.09M · loan HK$6.14M · min. income ≈ HK$59,520/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$383,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,154
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$31,990
−HK$848/mo
Today · 4.125%
HK$32,838
baseline
▲ 0.50% · 4.625%
HK$34,568
+HK$1,730/mo
Deposit HK$4.09M · loan HK$6.14M · min. income ≈ HK$65,676/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$383,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,672
−HK$2,048/mo
▼ 0.25% · 3.875%
HK$33,688
−HK$1,032/mo
Today · 4.125%
HK$34,720
baseline
▲ 0.50% · 4.625%
HK$36,833
+HK$2,113/mo
Deposit HK$3.07M · loan HK$7.16M · min. income ≈ HK$69,440/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,347
−HK$1,963/mo
▼ 0.25% · 3.875%
HK$37,322
−HK$988/mo
Today · 4.125%
HK$38,310
baseline
▲ 0.50% · 4.625%
HK$40,330
+HK$2,020/mo
Deposit HK$3.07M · loan HK$7.16M · min. income ≈ HK$76,620/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,006
−HK$2,634/mo
▼ 0.25% · 3.875%
HK$43,313
−HK$1,327/mo
Today · 4.125%
HK$44,640
baseline
▲ 0.50% · 4.625%
HK$47,357
+HK$2,717/mo
Deposit HK$1.02M · loan HK$9.21M · min. income ≈ HK$89,280/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,732
−HK$2,524/mo
▼ 0.25% · 3.875%
HK$47,985
−HK$1,271/mo
Today · 4.125%
HK$49,256
baseline
▲ 0.50% · 4.625%
HK$51,853
+HK$2,597/mo
Deposit HK$1.02M · loan HK$9.21M · min. income ≈ HK$98,512/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,787 · Scale 2, in force from 26 Feb 2026)