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$23,357
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$24,084
−HK$738/mo
Today · 4.125%
HK$24,822
baseline
▲ 0.50% · 4.625%
HK$26,332
+HK$1,510/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$49,644/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,985
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$26,682
−HK$706/mo
Today · 4.125%
HK$27,388
baseline
▲ 0.50% · 4.625%
HK$28,832
+HK$1,444/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$54,776/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,029
−HK$1,757/mo
▼ 0.25% · 3.875%
HK$28,900
−HK$886/mo
Today · 4.125%
HK$29,786
baseline
▲ 0.50% · 4.625%
HK$31,599
+HK$1,813/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$59,572/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$384,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,182
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$32,018
−HK$848/mo
Today · 4.125%
HK$32,866
baseline
▲ 0.50% · 4.625%
HK$34,599
+HK$1,733/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$65,732/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$384,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,700
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$33,717
−HK$1,034/mo
Today · 4.125%
HK$34,751
baseline
▲ 0.50% · 4.625%
HK$36,865
+HK$2,114/mo
Deposit HK$3.07M · loan HK$7.17M · min. income ≈ HK$69,502/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,378
−HK$1,966/mo
▼ 0.25% · 3.875%
HK$37,354
−HK$990/mo
Today · 4.125%
HK$38,344
baseline
▲ 0.50% · 4.625%
HK$40,365
+HK$2,021/mo
Deposit HK$3.07M · loan HK$7.17M · min. income ≈ HK$76,688/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,043
−HK$2,636/mo
▼ 0.25% · 3.875%
HK$43,351
−HK$1,328/mo
Today · 4.125%
HK$44,679
baseline
▲ 0.50% · 4.625%
HK$47,398
+HK$2,719/mo
Deposit HK$1.02M · loan HK$9.22M · min. income ≈ HK$89,358/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,772
−HK$2,527/mo
▼ 0.25% · 3.875%
HK$48,027
−HK$1,272/mo
Today · 4.125%
HK$49,299
baseline
▲ 0.50% · 4.625%
HK$51,898
+HK$2,599/mo
Deposit HK$1.02M · loan HK$9.22M · min. income ≈ HK$98,598/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,121 · Scale 2, in force from 26 Feb 2026)