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$23,365
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$24,092
−HK$739/mo
Today · 4.125%
HK$24,831
baseline
▲ 0.50% · 4.625%
HK$26,342
+HK$1,511/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$49,662/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,994
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$26,691
−HK$707/mo
Today · 4.125%
HK$27,398
baseline
▲ 0.50% · 4.625%
HK$28,842
+HK$1,444/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$54,796/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,039
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$28,911
−HK$886/mo
Today · 4.125%
HK$29,797
baseline
▲ 0.50% · 4.625%
HK$31,610
+HK$1,813/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$59,594/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$384,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,193
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$32,029
−HK$849/mo
Today · 4.125%
HK$32,878
baseline
▲ 0.50% · 4.625%
HK$34,611
+HK$1,733/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$65,756/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$384,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,712
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$33,729
−HK$1,034/mo
Today · 4.125%
HK$34,763
baseline
▲ 0.50% · 4.625%
HK$36,878
+HK$2,115/mo
Deposit HK$3.07M · loan HK$7.17M · min. income ≈ HK$69,526/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,391
−HK$1,966/mo
▼ 0.25% · 3.875%
HK$37,367
−HK$990/mo
Today · 4.125%
HK$38,357
baseline
▲ 0.50% · 4.625%
HK$40,379
+HK$2,022/mo
Deposit HK$3.07M · loan HK$7.17M · min. income ≈ HK$76,714/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,058
−HK$2,637/mo
▼ 0.25% · 3.875%
HK$43,366
−HK$1,329/mo
Today · 4.125%
HK$44,695
baseline
▲ 0.50% · 4.625%
HK$47,415
+HK$2,720/mo
Deposit HK$1.02M · loan HK$9.22M · min. income ≈ HK$89,390/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,789
−HK$2,528/mo
▼ 0.25% · 3.875%
HK$48,044
−HK$1,273/mo
Today · 4.125%
HK$49,317
baseline
▲ 0.50% · 4.625%
HK$51,916
+HK$2,599/mo
Deposit HK$1.02M · loan HK$9.22M · min. income ≈ HK$98,634/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,258 · Scale 2, in force from 26 Feb 2026)