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$23,359
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$24,085
−HK$739/mo
Today · 4.125%
HK$24,824
baseline
▲ 0.50% · 4.625%
HK$26,334
+HK$1,510/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$49,648/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,147 · 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$384,147 · 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$31,601
+HK$1,813/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$384,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,184
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$32,020
−HK$848/mo
Today · 4.125%
HK$32,868
baseline
▲ 0.50% · 4.625%
HK$34,601
+HK$1,733/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$384,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,702
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$33,719
−HK$1,034/mo
Today · 4.125%
HK$34,753
baseline
▲ 0.50% · 4.625%
HK$36,868
+HK$2,115/mo
Deposit HK$3.07M · loan HK$7.17M · min. income ≈ HK$69,506/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,381
−HK$1,965/mo
▼ 0.25% · 3.875%
HK$37,357
−HK$989/mo
Today · 4.125%
HK$38,346
baseline
▲ 0.50% · 4.625%
HK$40,368
+HK$2,022/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$384,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,046
−HK$2,636/mo
▼ 0.25% · 3.875%
HK$43,354
−HK$1,328/mo
Today · 4.125%
HK$44,682
baseline
▲ 0.50% · 4.625%
HK$47,401
+HK$2,719/mo
Deposit HK$1.02M · loan HK$9.22M · min. income ≈ HK$89,364/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,775
−HK$2,528/mo
▼ 0.25% · 3.875%
HK$48,030
−HK$1,273/mo
Today · 4.125%
HK$49,303
baseline
▲ 0.50% · 4.625%
HK$51,901
+HK$2,598/mo
Deposit HK$1.02M · loan HK$9.22M · min. income ≈ HK$98,606/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,147 · Scale 2, in force from 26 Feb 2026)