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$23,328
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$24,054
−HK$737/mo
Today · 4.125%
HK$24,791
baseline
▲ 0.50% · 4.625%
HK$26,300
+HK$1,509/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$49,582/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$383,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,953
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$26,649
−HK$706/mo
Today · 4.125%
HK$27,355
baseline
▲ 0.50% · 4.625%
HK$28,797
+HK$1,442/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$54,710/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$383,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,994
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$28,865
−HK$885/mo
Today · 4.125%
HK$29,750
baseline
▲ 0.50% · 4.625%
HK$31,560
+HK$1,810/mo
Deposit HK$4.09M · loan HK$6.14M · min. income ≈ HK$59,500/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$383,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,143
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$31,978
−HK$848/mo
Today · 4.125%
HK$32,826
baseline
▲ 0.50% · 4.625%
HK$34,556
+HK$1,730/mo
Deposit HK$4.09M · loan HK$6.14M · min. income ≈ HK$65,652/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$383,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,660
−HK$2,048/mo
▼ 0.25% · 3.875%
HK$33,676
−HK$1,032/mo
Today · 4.125%
HK$34,708
baseline
▲ 0.50% · 4.625%
HK$36,820
+HK$2,112/mo
Deposit HK$3.07M · loan HK$7.16M · min. income ≈ HK$69,416/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,334
−HK$1,963/mo
▼ 0.25% · 3.875%
HK$37,308
−HK$989/mo
Today · 4.125%
HK$38,297
baseline
▲ 0.50% · 4.625%
HK$40,315
+HK$2,018/mo
Deposit HK$3.07M · loan HK$7.16M · min. income ≈ HK$76,594/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,991
−HK$2,633/mo
▼ 0.25% · 3.875%
HK$43,297
−HK$1,327/mo
Today · 4.125%
HK$44,624
baseline
▲ 0.50% · 4.625%
HK$47,340
+HK$2,716/mo
Deposit HK$1.02M · loan HK$9.21M · min. income ≈ HK$89,248/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,715
−HK$2,524/mo
▼ 0.25% · 3.875%
HK$47,968
−HK$1,271/mo
Today · 4.125%
HK$49,239
baseline
▲ 0.50% · 4.625%
HK$51,834
+HK$2,595/mo
Deposit HK$1.02M · loan HK$9.21M · min. income ≈ HK$98,478/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,649 · Scale 2, in force from 26 Feb 2026)