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$23,353
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$24,080
−HK$738/mo
Today · 4.125%
HK$24,818
baseline
▲ 0.50% · 4.625%
HK$26,328
+HK$1,510/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$49,636/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$384,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,980
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$26,677
−HK$707/mo
Today · 4.125%
HK$27,384
baseline
▲ 0.50% · 4.625%
HK$28,827
+HK$1,443/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$54,768/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$384,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,024
−HK$1,757/mo
▼ 0.25% · 3.875%
HK$28,895
−HK$886/mo
Today · 4.125%
HK$29,781
baseline
▲ 0.50% · 4.625%
HK$31,593
+HK$1,812/mo
Deposit HK$4.10M · loan HK$6.14M · min. income ≈ HK$59,562/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$384,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,176
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$32,012
−HK$848/mo
Today · 4.125%
HK$32,860
baseline
▲ 0.50% · 4.625%
HK$34,593
+HK$1,733/mo
Deposit HK$4.10M · loan HK$6.14M · min. income ≈ HK$65,720/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$384,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,694
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$33,711
−HK$1,034/mo
Today · 4.125%
HK$34,745
baseline
▲ 0.50% · 4.625%
HK$36,859
+HK$2,114/mo
Deposit HK$3.07M · loan HK$7.17M · min. income ≈ HK$69,490/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,372
−HK$1,965/mo
▼ 0.25% · 3.875%
HK$37,348
−HK$989/mo
Today · 4.125%
HK$38,337
baseline
▲ 0.50% · 4.625%
HK$40,358
+HK$2,021/mo
Deposit HK$3.07M · loan HK$7.17M · min. income ≈ HK$76,674/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,036
−HK$2,636/mo
▼ 0.25% · 3.875%
HK$43,343
−HK$1,329/mo
Today · 4.125%
HK$44,672
baseline
▲ 0.50% · 4.625%
HK$47,390
+HK$2,718/mo
Deposit HK$1.02M · loan HK$9.22M · min. income ≈ HK$89,344/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,764
−HK$2,527/mo
▼ 0.25% · 3.875%
HK$48,018
−HK$1,273/mo
Today · 4.125%
HK$49,291
baseline
▲ 0.50% · 4.625%
HK$51,889
+HK$2,598/mo
Deposit HK$1.02M · loan HK$9.22M · min. income ≈ HK$98,582/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,054 · Scale 2, in force from 26 Feb 2026)