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$23,359
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$24,086
−HK$738/mo
Today · 4.125%
HK$24,824
baseline
▲ 0.50% · 4.625%
HK$26,335
+HK$1,511/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$49,648/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,987
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$26,684
−HK$707/mo
Today · 4.125%
HK$27,391
baseline
▲ 0.50% · 4.625%
HK$28,835
+HK$1,444/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$54,782/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,031
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$28,903
−HK$886/mo
Today · 4.125%
HK$29,789
baseline
▲ 0.50% · 4.625%
HK$31,602
+HK$1,813/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$59,578/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$384,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,185
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$32,021
−HK$848/mo
Today · 4.125%
HK$32,869
baseline
▲ 0.50% · 4.625%
HK$34,602
+HK$1,733/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$65,738/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$384,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,703
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$33,721
−HK$1,033/mo
Today · 4.125%
HK$34,754
baseline
▲ 0.50% · 4.625%
HK$36,869
+HK$2,115/mo
Deposit HK$3.07M · loan HK$7.17M · min. income ≈ HK$69,508/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,382
−HK$1,966/mo
▼ 0.25% · 3.875%
HK$37,358
−HK$990/mo
Today · 4.125%
HK$38,348
baseline
▲ 0.50% · 4.625%
HK$40,369
+HK$2,021/mo
Deposit HK$3.07M · loan HK$7.17M · min. income ≈ HK$76,696/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,047
−HK$2,637/mo
▼ 0.25% · 3.875%
HK$43,355
−HK$1,329/mo
Today · 4.125%
HK$44,684
baseline
▲ 0.50% · 4.625%
HK$47,403
+HK$2,719/mo
Deposit HK$1.02M · loan HK$9.22M · min. income ≈ HK$89,368/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,777
−HK$2,527/mo
▼ 0.25% · 3.875%
HK$48,031
−HK$1,273/mo
Today · 4.125%
HK$49,304
baseline
▲ 0.50% · 4.625%
HK$51,903
+HK$2,599/mo
Deposit HK$1.02M · loan HK$9.22M · min. income ≈ HK$98,608/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,159 · Scale 2, in force from 26 Feb 2026)