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$23,335
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$24,061
−HK$738/mo
Today · 4.125%
HK$24,799
baseline
▲ 0.50% · 4.625%
HK$26,307
+HK$1,508/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$49,598/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$383,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,960
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$26,656
−HK$707/mo
Today · 4.125%
HK$27,363
baseline
▲ 0.50% · 4.625%
HK$28,805
+HK$1,442/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$54,726/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$383,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,002
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$28,873
−HK$885/mo
Today · 4.125%
HK$29,758
baseline
▲ 0.50% · 4.625%
HK$31,569
+HK$1,811/mo
Deposit HK$4.09M · loan HK$6.14M · min. income ≈ HK$59,516/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$383,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,152
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$31,988
−HK$847/mo
Today · 4.125%
HK$32,835
baseline
▲ 0.50% · 4.625%
HK$34,566
+HK$1,731/mo
Deposit HK$4.09M · loan HK$6.14M · min. income ≈ HK$65,670/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$383,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,669
−HK$2,049/mo
▼ 0.25% · 3.875%
HK$33,686
−HK$1,032/mo
Today · 4.125%
HK$34,718
baseline
▲ 0.50% · 4.625%
HK$36,830
+HK$2,112/mo
Deposit HK$3.07M · loan HK$7.16M · min. income ≈ HK$69,436/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,344
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$37,319
−HK$989/mo
Today · 4.125%
HK$38,308
baseline
▲ 0.50% · 4.625%
HK$40,327
+HK$2,019/mo
Deposit HK$3.07M · loan HK$7.16M · min. income ≈ HK$76,616/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,003
−HK$2,634/mo
▼ 0.25% · 3.875%
HK$43,310
−HK$1,327/mo
Today · 4.125%
HK$44,637
baseline
▲ 0.50% · 4.625%
HK$47,353
+HK$2,716/mo
Deposit HK$1.02M · loan HK$9.21M · min. income ≈ HK$89,274/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,728
−HK$2,525/mo
▼ 0.25% · 3.875%
HK$47,982
−HK$1,271/mo
Today · 4.125%
HK$49,253
baseline
▲ 0.50% · 4.625%
HK$51,849
+HK$2,596/mo
Deposit HK$1.02M · loan HK$9.21M · min. income ≈ HK$98,506/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,760 · Scale 2, in force from 26 Feb 2026)