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$23,358
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$24,085
−HK$738/mo
Today · 4.125%
HK$24,823
baseline
▲ 0.50% · 4.625%
HK$26,333
+HK$1,510/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$49,646/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,986
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$26,683
−HK$707/mo
Today · 4.125%
HK$27,390
baseline
▲ 0.50% · 4.625%
HK$28,834
+HK$1,444/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$54,780/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,030
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$28,902
−HK$886/mo
Today · 4.125%
HK$29,788
baseline
▲ 0.50% · 4.625%
HK$31,600
+HK$1,812/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$59,576/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$384,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,183
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$32,019
−HK$849/mo
Today · 4.125%
HK$32,868
baseline
▲ 0.50% · 4.625%
HK$34,600
+HK$1,732/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$65,736/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$384,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,702
−HK$2,050/mo
▼ 0.25% · 3.875%
HK$33,719
−HK$1,033/mo
Today · 4.125%
HK$34,752
baseline
▲ 0.50% · 4.625%
HK$36,867
+HK$2,115/mo
Deposit HK$3.07M · loan HK$7.17M · min. income ≈ HK$69,504/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,380
−HK$1,966/mo
▼ 0.25% · 3.875%
HK$37,356
−HK$990/mo
Today · 4.125%
HK$38,346
baseline
▲ 0.50% · 4.625%
HK$40,367
+HK$2,021/mo
Deposit HK$3.07M · loan HK$7.17M · min. income ≈ HK$76,692/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,045
−HK$2,636/mo
▼ 0.25% · 3.875%
HK$43,353
−HK$1,328/mo
Today · 4.125%
HK$44,681
baseline
▲ 0.50% · 4.625%
HK$47,400
+HK$2,719/mo
Deposit HK$1.02M · loan HK$9.22M · min. income ≈ HK$89,362/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,774
−HK$2,528/mo
▼ 0.25% · 3.875%
HK$48,029
−HK$1,273/mo
Today · 4.125%
HK$49,302
baseline
▲ 0.50% · 4.625%
HK$51,900
+HK$2,598/mo
Deposit HK$1.02M · loan HK$9.22M · min. income ≈ HK$98,604/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,139 · Scale 2, in force from 26 Feb 2026)