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$23,348
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$24,075
−HK$737/mo
Today · 4.125%
HK$24,812
baseline
▲ 0.50% · 4.625%
HK$26,322
+HK$1,510/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$49,624/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$383,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,975
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$26,671
−HK$707/mo
Today · 4.125%
HK$27,378
baseline
▲ 0.50% · 4.625%
HK$28,821
+HK$1,443/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$54,756/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$383,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,018
−HK$1,757/mo
▼ 0.25% · 3.875%
HK$28,890
−HK$885/mo
Today · 4.125%
HK$29,775
baseline
▲ 0.50% · 4.625%
HK$31,587
+HK$1,812/mo
Deposit HK$4.10M · loan HK$6.14M · min. income ≈ HK$59,550/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$383,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,170
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$32,006
−HK$848/mo
Today · 4.125%
HK$32,854
baseline
▲ 0.50% · 4.625%
HK$34,586
+HK$1,732/mo
Deposit HK$4.10M · loan HK$6.14M · min. income ≈ HK$65,708/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$383,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,688
−HK$2,049/mo
▼ 0.25% · 3.875%
HK$33,704
−HK$1,033/mo
Today · 4.125%
HK$34,737
baseline
▲ 0.50% · 4.625%
HK$36,851
+HK$2,114/mo
Deposit HK$3.07M · loan HK$7.17M · min. income ≈ HK$69,474/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$383,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,365
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$37,340
−HK$989/mo
Today · 4.125%
HK$38,329
baseline
▲ 0.50% · 4.625%
HK$40,350
+HK$2,021/mo
Deposit HK$3.07M · loan HK$7.17M · min. income ≈ HK$76,658/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$383,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,027
−HK$2,635/mo
▼ 0.25% · 3.875%
HK$43,334
−HK$1,328/mo
Today · 4.125%
HK$44,662
baseline
▲ 0.50% · 4.625%
HK$47,380
+HK$2,718/mo
Deposit HK$1.02M · loan HK$9.22M · min. income ≈ HK$89,324/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,755
−HK$2,526/mo
▼ 0.25% · 3.875%
HK$48,009
−HK$1,272/mo
Today · 4.125%
HK$49,281
baseline
▲ 0.50% · 4.625%
HK$51,878
+HK$2,597/mo
Deposit HK$1.02M · loan HK$9.22M · min. income ≈ HK$98,562/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,976 · Scale 2, in force from 26 Feb 2026)