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$23,354
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$24,080
−HK$739/mo
Today · 4.125%
HK$24,819
baseline
▲ 0.50% · 4.625%
HK$26,329
+HK$1,510/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$49,638/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$384,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,981
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$26,678
−HK$707/mo
Today · 4.125%
HK$27,385
baseline
▲ 0.50% · 4.625%
HK$28,828
+HK$1,443/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$54,770/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$384,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,025
−HK$1,757/mo
▼ 0.25% · 3.875%
HK$28,897
−HK$885/mo
Today · 4.125%
HK$29,782
baseline
▲ 0.50% · 4.625%
HK$31,594
+HK$1,812/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$59,564/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$384,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,177
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$32,014
−HK$848/mo
Today · 4.125%
HK$32,862
baseline
▲ 0.50% · 4.625%
HK$34,594
+HK$1,732/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$65,724/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$384,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,696
−HK$2,050/mo
▼ 0.25% · 3.875%
HK$33,713
−HK$1,033/mo
Today · 4.125%
HK$34,746
baseline
▲ 0.50% · 4.625%
HK$36,860
+HK$2,114/mo
Deposit HK$3.07M · loan HK$7.17M · min. income ≈ HK$69,492/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,374
−HK$1,965/mo
▼ 0.25% · 3.875%
HK$37,349
−HK$990/mo
Today · 4.125%
HK$38,339
baseline
▲ 0.50% · 4.625%
HK$40,360
+HK$2,021/mo
Deposit HK$3.07M · loan HK$7.17M · min. income ≈ HK$76,678/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,037
−HK$2,636/mo
▼ 0.25% · 3.875%
HK$43,345
−HK$1,328/mo
Today · 4.125%
HK$44,673
baseline
▲ 0.50% · 4.625%
HK$47,392
+HK$2,719/mo
Deposit HK$1.02M · loan HK$9.22M · min. income ≈ HK$89,346/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,766
−HK$2,527/mo
▼ 0.25% · 3.875%
HK$48,020
−HK$1,273/mo
Today · 4.125%
HK$49,293
baseline
▲ 0.50% · 4.625%
HK$51,891
+HK$2,598/mo
Deposit HK$1.02M · loan HK$9.22M · min. income ≈ HK$98,586/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,070 · Scale 2, in force from 26 Feb 2026)