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$23,339
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$24,065
−HK$738/mo
Today · 4.125%
HK$24,803
baseline
▲ 0.50% · 4.625%
HK$26,312
+HK$1,509/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$49,606/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$383,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,964
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$26,661
−HK$706/mo
Today · 4.125%
HK$27,367
baseline
▲ 0.50% · 4.625%
HK$28,810
+HK$1,443/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$54,734/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$383,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,007
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$28,878
−HK$885/mo
Today · 4.125%
HK$29,763
baseline
▲ 0.50% · 4.625%
HK$31,574
+HK$1,811/mo
Deposit HK$4.09M · loan HK$6.14M · min. income ≈ HK$59,526/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$383,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,157
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$31,993
−HK$848/mo
Today · 4.125%
HK$32,841
baseline
▲ 0.50% · 4.625%
HK$34,572
+HK$1,731/mo
Deposit HK$4.09M · loan HK$6.14M · min. income ≈ HK$65,682/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$383,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,675
−HK$2,049/mo
▼ 0.25% · 3.875%
HK$33,691
−HK$1,033/mo
Today · 4.125%
HK$34,724
baseline
▲ 0.50% · 4.625%
HK$36,836
+HK$2,112/mo
Deposit HK$3.07M · loan HK$7.16M · min. income ≈ HK$69,448/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,350
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$37,325
−HK$989/mo
Today · 4.125%
HK$38,314
baseline
▲ 0.50% · 4.625%
HK$40,334
+HK$2,020/mo
Deposit HK$3.07M · loan HK$7.16M · min. income ≈ HK$76,628/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,010
−HK$2,635/mo
▼ 0.25% · 3.875%
HK$43,317
−HK$1,328/mo
Today · 4.125%
HK$44,645
baseline
▲ 0.50% · 4.625%
HK$47,361
+HK$2,716/mo
Deposit HK$1.02M · loan HK$9.21M · min. income ≈ HK$89,290/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,736
−HK$2,525/mo
▼ 0.25% · 3.875%
HK$47,989
−HK$1,272/mo
Today · 4.125%
HK$49,261
baseline
▲ 0.50% · 4.625%
HK$51,857
+HK$2,596/mo
Deposit HK$1.02M · loan HK$9.21M · min. income ≈ HK$98,522/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,822 · Scale 2, in force from 26 Feb 2026)