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$23,340
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$24,066
−HK$737/mo
Today · 4.125%
HK$24,803
baseline
▲ 0.50% · 4.625%
HK$26,312
+HK$1,509/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$49,606/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$383,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,965
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$26,661
−HK$707/mo
Today · 4.125%
HK$27,368
baseline
▲ 0.50% · 4.625%
HK$28,811
+HK$1,443/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$54,736/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$383,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,008
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$28,879
−HK$885/mo
Today · 4.125%
HK$29,764
baseline
▲ 0.50% · 4.625%
HK$31,575
+HK$1,811/mo
Deposit HK$4.09M · loan HK$6.14M · min. income ≈ HK$59,528/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$383,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,158
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$31,994
−HK$847/mo
Today · 4.125%
HK$32,841
baseline
▲ 0.50% · 4.625%
HK$34,573
+HK$1,732/mo
Deposit HK$4.09M · loan HK$6.14M · min. income ≈ HK$65,682/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$383,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,675
−HK$2,050/mo
▼ 0.25% · 3.875%
HK$33,692
−HK$1,033/mo
Today · 4.125%
HK$34,725
baseline
▲ 0.50% · 4.625%
HK$36,837
+HK$2,112/mo
Deposit HK$3.07M · loan HK$7.16M · min. income ≈ HK$69,450/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,351
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$37,326
−HK$989/mo
Today · 4.125%
HK$38,315
baseline
▲ 0.50% · 4.625%
HK$40,335
+HK$2,020/mo
Deposit HK$3.07M · loan HK$7.16M · min. income ≈ HK$76,630/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,011
−HK$2,635/mo
▼ 0.25% · 3.875%
HK$43,318
−HK$1,328/mo
Today · 4.125%
HK$44,646
baseline
▲ 0.50% · 4.625%
HK$47,362
+HK$2,716/mo
Deposit HK$1.02M · loan HK$9.21M · min. income ≈ HK$89,292/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,737
−HK$2,525/mo
▼ 0.25% · 3.875%
HK$47,991
−HK$1,271/mo
Today · 4.125%
HK$49,262
baseline
▲ 0.50% · 4.625%
HK$51,859
+HK$2,597/mo
Deposit HK$1.02M · loan HK$9.21M · min. income ≈ HK$98,524/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,833 · Scale 2, in force from 26 Feb 2026)