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$23,331
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$24,057
−HK$737/mo
Today · 4.125%
HK$24,794
baseline
▲ 0.50% · 4.625%
HK$26,303
+HK$1,509/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$49,588/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$383,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,956
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$26,652
−HK$706/mo
Today · 4.125%
HK$27,358
baseline
▲ 0.50% · 4.625%
HK$28,800
+HK$1,442/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$54,716/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$383,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,997
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$28,868
−HK$885/mo
Today · 4.125%
HK$29,753
baseline
▲ 0.50% · 4.625%
HK$31,564
+HK$1,811/mo
Deposit HK$4.09M · loan HK$6.14M · min. income ≈ HK$59,506/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$383,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,147
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$31,982
−HK$848/mo
Today · 4.125%
HK$32,830
baseline
▲ 0.50% · 4.625%
HK$34,560
+HK$1,730/mo
Deposit HK$4.09M · loan HK$6.14M · min. income ≈ HK$65,660/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$383,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,664
−HK$2,048/mo
▼ 0.25% · 3.875%
HK$33,680
−HK$1,032/mo
Today · 4.125%
HK$34,712
baseline
▲ 0.50% · 4.625%
HK$36,824
+HK$2,112/mo
Deposit HK$3.07M · loan HK$7.16M · min. income ≈ HK$69,424/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,338
−HK$1,963/mo
▼ 0.25% · 3.875%
HK$37,313
−HK$988/mo
Today · 4.125%
HK$38,301
baseline
▲ 0.50% · 4.625%
HK$40,320
+HK$2,019/mo
Deposit HK$3.07M · loan HK$7.16M · min. income ≈ HK$76,602/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,996
−HK$2,634/mo
▼ 0.25% · 3.875%
HK$43,302
−HK$1,328/mo
Today · 4.125%
HK$44,630
baseline
▲ 0.50% · 4.625%
HK$47,345
+HK$2,715/mo
Deposit HK$1.02M · loan HK$9.21M · min. income ≈ HK$89,260/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,720
−HK$2,524/mo
▼ 0.25% · 3.875%
HK$47,973
−HK$1,271/mo
Today · 4.125%
HK$49,244
baseline
▲ 0.50% · 4.625%
HK$51,840
+HK$2,596/mo
Deposit HK$1.02M · loan HK$9.21M · min. income ≈ HK$98,488/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,694 · Scale 2, in force from 26 Feb 2026)