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$23,345
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$24,071
−HK$738/mo
Today · 4.125%
HK$24,809
baseline
▲ 0.50% · 4.625%
HK$26,318
+HK$1,509/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$49,618/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$383,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,971
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$26,667
−HK$707/mo
Today · 4.125%
HK$27,374
baseline
▲ 0.50% · 4.625%
HK$28,817
+HK$1,443/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$54,748/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$383,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,014
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$28,885
−HK$885/mo
Today · 4.125%
HK$29,770
baseline
▲ 0.50% · 4.625%
HK$31,582
+HK$1,812/mo
Deposit HK$4.10M · loan HK$6.14M · min. income ≈ HK$59,540/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$383,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,165
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$32,001
−HK$848/mo
Today · 4.125%
HK$32,849
baseline
▲ 0.50% · 4.625%
HK$34,580
+HK$1,731/mo
Deposit HK$4.10M · loan HK$6.14M · min. income ≈ HK$65,698/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$383,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,683
−HK$2,049/mo
▼ 0.25% · 3.875%
HK$33,699
−HK$1,033/mo
Today · 4.125%
HK$34,732
baseline
▲ 0.50% · 4.625%
HK$36,845
+HK$2,113/mo
Deposit HK$3.07M · loan HK$7.17M · min. income ≈ HK$69,464/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$383,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,359
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$37,334
−HK$989/mo
Today · 4.125%
HK$38,323
baseline
▲ 0.50% · 4.625%
HK$40,344
+HK$2,021/mo
Deposit HK$3.07M · loan HK$7.17M · min. income ≈ HK$76,646/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$383,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,020
−HK$2,636/mo
▼ 0.25% · 3.875%
HK$43,328
−HK$1,328/mo
Today · 4.125%
HK$44,656
baseline
▲ 0.50% · 4.625%
HK$47,373
+HK$2,717/mo
Deposit HK$1.02M · loan HK$9.21M · min. income ≈ HK$89,312/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,747
−HK$2,526/mo
▼ 0.25% · 3.875%
HK$48,001
−HK$1,272/mo
Today · 4.125%
HK$49,273
baseline
▲ 0.50% · 4.625%
HK$51,870
+HK$2,597/mo
Deposit HK$1.02M · loan HK$9.21M · min. income ≈ HK$98,546/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,916 · Scale 2, in force from 26 Feb 2026)