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$23,367
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$24,094
−HK$739/mo
Today · 4.125%
HK$24,833
baseline
▲ 0.50% · 4.625%
HK$26,344
+HK$1,511/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$49,666/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,996
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$26,693
−HK$708/mo
Today · 4.125%
HK$27,401
baseline
▲ 0.50% · 4.625%
HK$28,845
+HK$1,444/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$54,802/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,041
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$28,913
−HK$886/mo
Today · 4.125%
HK$29,799
baseline
▲ 0.50% · 4.625%
HK$31,613
+HK$1,814/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$59,598/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$384,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,195
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$32,032
−HK$849/mo
Today · 4.125%
HK$32,881
baseline
▲ 0.50% · 4.625%
HK$34,614
+HK$1,733/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$65,762/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$384,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,714
−HK$2,052/mo
▼ 0.25% · 3.875%
HK$33,732
−HK$1,034/mo
Today · 4.125%
HK$34,766
baseline
▲ 0.50% · 4.625%
HK$36,881
+HK$2,115/mo
Deposit HK$3.07M · loan HK$7.17M · min. income ≈ HK$69,532/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,394
−HK$1,967/mo
▼ 0.25% · 3.875%
HK$37,371
−HK$990/mo
Today · 4.125%
HK$38,361
baseline
▲ 0.50% · 4.625%
HK$40,383
+HK$2,022/mo
Deposit HK$3.07M · loan HK$7.17M · min. income ≈ HK$76,722/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,061
−HK$2,638/mo
▼ 0.25% · 3.875%
HK$43,370
−HK$1,329/mo
Today · 4.125%
HK$44,699
baseline
▲ 0.50% · 4.625%
HK$47,419
+HK$2,720/mo
Deposit HK$1.02M · loan HK$9.22M · min. income ≈ HK$89,398/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,793
−HK$2,528/mo
▼ 0.25% · 3.875%
HK$48,048
−HK$1,273/mo
Today · 4.125%
HK$49,321
baseline
▲ 0.50% · 4.625%
HK$51,921
+HK$2,600/mo
Deposit HK$1.02M · loan HK$9.22M · min. income ≈ HK$98,642/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,290 · Scale 2, in force from 26 Feb 2026)