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$23,343
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$24,069
−HK$738/mo
Today · 4.125%
HK$24,807
baseline
▲ 0.50% · 4.625%
HK$26,316
+HK$1,509/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$49,614/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$383,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,969
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$26,665
−HK$707/mo
Today · 4.125%
HK$27,372
baseline
▲ 0.50% · 4.625%
HK$28,815
+HK$1,443/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$54,744/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$383,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,012
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$28,883
−HK$885/mo
Today · 4.125%
HK$29,768
baseline
▲ 0.50% · 4.625%
HK$31,579
+HK$1,811/mo
Deposit HK$4.09M · loan HK$6.14M · min. income ≈ HK$59,536/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$383,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,163
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$31,998
−HK$848/mo
Today · 4.125%
HK$32,846
baseline
▲ 0.50% · 4.625%
HK$34,578
+HK$1,732/mo
Deposit HK$4.09M · loan HK$6.14M · min. income ≈ HK$65,692/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$383,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,680
−HK$2,049/mo
▼ 0.25% · 3.875%
HK$33,697
−HK$1,032/mo
Today · 4.125%
HK$34,729
baseline
▲ 0.50% · 4.625%
HK$36,843
+HK$2,114/mo
Deposit HK$3.07M · loan HK$7.17M · min. income ≈ HK$69,458/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,356
−HK$1,965/mo
▼ 0.25% · 3.875%
HK$37,331
−HK$990/mo
Today · 4.125%
HK$38,321
baseline
▲ 0.50% · 4.625%
HK$40,340
+HK$2,019/mo
Deposit HK$3.07M · loan HK$7.17M · min. income ≈ HK$76,642/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,017
−HK$2,635/mo
▼ 0.25% · 3.875%
HK$43,324
−HK$1,328/mo
Today · 4.125%
HK$44,652
baseline
▲ 0.50% · 4.625%
HK$47,369
+HK$2,717/mo
Deposit HK$1.02M · loan HK$9.21M · min. income ≈ HK$89,304/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,744
−HK$2,525/mo
▼ 0.25% · 3.875%
HK$47,997
−HK$1,272/mo
Today · 4.125%
HK$49,269
baseline
▲ 0.50% · 4.625%
HK$51,866
+HK$2,597/mo
Deposit HK$1.02M · loan HK$9.21M · min. income ≈ HK$98,538/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,887 · Scale 2, in force from 26 Feb 2026)