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$23,344
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$24,070
−HK$738/mo
Today · 4.125%
HK$24,808
baseline
▲ 0.50% · 4.625%
HK$26,317
+HK$1,509/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$49,616/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$383,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,970
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$26,666
−HK$707/mo
Today · 4.125%
HK$27,373
baseline
▲ 0.50% · 4.625%
HK$28,815
+HK$1,442/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$54,746/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$383,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,012
−HK$1,757/mo
▼ 0.25% · 3.875%
HK$28,884
−HK$885/mo
Today · 4.125%
HK$29,769
baseline
▲ 0.50% · 4.625%
HK$31,580
+HK$1,811/mo
Deposit HK$4.09M · loan HK$6.14M · min. income ≈ HK$59,538/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$383,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,164
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$31,999
−HK$848/mo
Today · 4.125%
HK$32,847
baseline
▲ 0.50% · 4.625%
HK$34,579
+HK$1,732/mo
Deposit HK$4.09M · loan HK$6.14M · min. income ≈ HK$65,694/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$383,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,681
−HK$2,050/mo
▼ 0.25% · 3.875%
HK$33,698
−HK$1,033/mo
Today · 4.125%
HK$34,731
baseline
▲ 0.50% · 4.625%
HK$36,844
+HK$2,113/mo
Deposit HK$3.07M · loan HK$7.17M · min. income ≈ HK$69,462/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$383,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,357
−HK$1,965/mo
▼ 0.25% · 3.875%
HK$37,333
−HK$989/mo
Today · 4.125%
HK$38,322
baseline
▲ 0.50% · 4.625%
HK$40,342
+HK$2,020/mo
Deposit HK$3.07M · loan HK$7.17M · min. income ≈ HK$76,644/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$383,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,019
−HK$2,635/mo
▼ 0.25% · 3.875%
HK$43,326
−HK$1,328/mo
Today · 4.125%
HK$44,654
baseline
▲ 0.50% · 4.625%
HK$47,371
+HK$2,717/mo
Deposit HK$1.02M · loan HK$9.21M · min. income ≈ HK$89,308/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,745
−HK$2,526/mo
▼ 0.25% · 3.875%
HK$47,999
−HK$1,272/mo
Today · 4.125%
HK$49,271
baseline
▲ 0.50% · 4.625%
HK$51,868
+HK$2,597/mo
Deposit HK$1.02M · loan HK$9.21M · min. income ≈ HK$98,542/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,899 · Scale 2, in force from 26 Feb 2026)