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$23,372
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$24,098
−HK$739/mo
Today · 4.125%
HK$24,837
baseline
▲ 0.50% · 4.625%
HK$26,348
+HK$1,511/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$49,674/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,001
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$26,698
−HK$707/mo
Today · 4.125%
HK$27,405
baseline
▲ 0.50% · 4.625%
HK$28,850
+HK$1,445/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$54,810/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,046
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$28,918
−HK$887/mo
Today · 4.125%
HK$29,805
baseline
▲ 0.50% · 4.625%
HK$31,618
+HK$1,813/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$59,610/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$384,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,201
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$32,037
−HK$849/mo
Today · 4.125%
HK$32,886
baseline
▲ 0.50% · 4.625%
HK$34,620
+HK$1,734/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$65,772/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$384,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,720
−HK$2,052/mo
▼ 0.25% · 3.875%
HK$33,738
−HK$1,034/mo
Today · 4.125%
HK$34,772
baseline
▲ 0.50% · 4.625%
HK$36,888
+HK$2,116/mo
Deposit HK$3.07M · loan HK$7.17M · min. income ≈ HK$69,544/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,401
−HK$1,966/mo
▼ 0.25% · 3.875%
HK$37,377
−HK$990/mo
Today · 4.125%
HK$38,367
baseline
▲ 0.50% · 4.625%
HK$40,390
+HK$2,023/mo
Deposit HK$3.07M · loan HK$7.17M · min. income ≈ HK$76,734/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,069
−HK$2,638/mo
▼ 0.25% · 3.875%
HK$43,377
−HK$1,330/mo
Today · 4.125%
HK$44,707
baseline
▲ 0.50% · 4.625%
HK$47,427
+HK$2,720/mo
Deposit HK$1.02M · loan HK$9.22M · min. income ≈ HK$89,414/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,801
−HK$2,529/mo
▼ 0.25% · 3.875%
HK$48,056
−HK$1,274/mo
Today · 4.125%
HK$49,330
baseline
▲ 0.50% · 4.625%
HK$51,930
+HK$2,600/mo
Deposit HK$1.02M · loan HK$9.22M · min. income ≈ HK$98,660/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,357 · Scale 2, in force from 26 Feb 2026)