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$23,333
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$24,059
−HK$738/mo
Today · 4.125%
HK$24,797
baseline
▲ 0.50% · 4.625%
HK$26,305
+HK$1,508/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$49,594/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$383,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,958
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$26,654
−HK$707/mo
Today · 4.125%
HK$27,361
baseline
▲ 0.50% · 4.625%
HK$28,803
+HK$1,442/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$54,722/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$383,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,000
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$28,871
−HK$885/mo
Today · 4.125%
HK$29,756
baseline
▲ 0.50% · 4.625%
HK$31,566
+HK$1,810/mo
Deposit HK$4.09M · loan HK$6.14M · min. income ≈ HK$59,512/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$383,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,150
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$31,985
−HK$848/mo
Today · 4.125%
HK$32,833
baseline
▲ 0.50% · 4.625%
HK$34,563
+HK$1,730/mo
Deposit HK$4.09M · loan HK$6.14M · min. income ≈ HK$65,666/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$383,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,667
−HK$2,048/mo
▼ 0.25% · 3.875%
HK$33,683
−HK$1,032/mo
Today · 4.125%
HK$34,715
baseline
▲ 0.50% · 4.625%
HK$36,827
+HK$2,112/mo
Deposit HK$3.07M · loan HK$7.16M · min. income ≈ HK$69,430/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,341
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$37,316
−HK$989/mo
Today · 4.125%
HK$38,305
baseline
▲ 0.50% · 4.625%
HK$40,324
+HK$2,019/mo
Deposit HK$3.07M · loan HK$7.16M · min. income ≈ HK$76,610/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,000
−HK$2,634/mo
▼ 0.25% · 3.875%
HK$43,306
−HK$1,328/mo
Today · 4.125%
HK$44,634
baseline
▲ 0.50% · 4.625%
HK$47,350
+HK$2,716/mo
Deposit HK$1.02M · loan HK$9.21M · min. income ≈ HK$89,268/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,725
−HK$2,524/mo
▼ 0.25% · 3.875%
HK$47,978
−HK$1,271/mo
Today · 4.125%
HK$49,249
baseline
▲ 0.50% · 4.625%
HK$51,845
+HK$2,596/mo
Deposit HK$1.02M · loan HK$9.21M · min. income ≈ HK$98,498/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,729 · Scale 2, in force from 26 Feb 2026)