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$23,338
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$24,064
−HK$738/mo
Today · 4.125%
HK$24,802
baseline
▲ 0.50% · 4.625%
HK$26,311
+HK$1,509/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$49,604/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$383,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,964
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$26,660
−HK$706/mo
Today · 4.125%
HK$27,366
baseline
▲ 0.50% · 4.625%
HK$28,809
+HK$1,443/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$54,732/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$383,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,006
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$28,877
−HK$885/mo
Today · 4.125%
HK$29,762
baseline
▲ 0.50% · 4.625%
HK$31,573
+HK$1,811/mo
Deposit HK$4.09M · loan HK$6.14M · min. income ≈ HK$59,524/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$383,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,156
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$31,992
−HK$848/mo
Today · 4.125%
HK$32,840
baseline
▲ 0.50% · 4.625%
HK$34,571
+HK$1,731/mo
Deposit HK$4.09M · loan HK$6.14M · min. income ≈ HK$65,680/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$383,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,674
−HK$2,049/mo
▼ 0.25% · 3.875%
HK$33,690
−HK$1,033/mo
Today · 4.125%
HK$34,723
baseline
▲ 0.50% · 4.625%
HK$36,835
+HK$2,112/mo
Deposit HK$3.07M · loan HK$7.16M · min. income ≈ HK$69,446/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,349
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$37,324
−HK$989/mo
Today · 4.125%
HK$38,313
baseline
▲ 0.50% · 4.625%
HK$40,332
+HK$2,019/mo
Deposit HK$3.07M · loan HK$7.16M · min. income ≈ HK$76,626/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,009
−HK$2,634/mo
▼ 0.25% · 3.875%
HK$43,316
−HK$1,327/mo
Today · 4.125%
HK$44,643
baseline
▲ 0.50% · 4.625%
HK$47,360
+HK$2,717/mo
Deposit HK$1.02M · loan HK$9.21M · min. income ≈ HK$89,286/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,735
−HK$2,524/mo
▼ 0.25% · 3.875%
HK$47,988
−HK$1,271/mo
Today · 4.125%
HK$49,259
baseline
▲ 0.50% · 4.625%
HK$51,856
+HK$2,597/mo
Deposit HK$1.02M · loan HK$9.21M · min. income ≈ HK$98,518/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,811 · Scale 2, in force from 26 Feb 2026)