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$23,352
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$24,078
−HK$738/mo
Today · 4.125%
HK$24,816
baseline
▲ 0.50% · 4.625%
HK$26,326
+HK$1,510/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$49,632/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$384,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,979
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$26,675
−HK$707/mo
Today · 4.125%
HK$27,382
baseline
▲ 0.50% · 4.625%
HK$28,826
+HK$1,444/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$54,764/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$384,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,022
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$28,894
−HK$886/mo
Today · 4.125%
HK$29,780
baseline
▲ 0.50% · 4.625%
HK$31,592
+HK$1,812/mo
Deposit HK$4.10M · loan HK$6.14M · min. income ≈ HK$59,560/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$384,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,174
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$32,011
−HK$848/mo
Today · 4.125%
HK$32,859
baseline
▲ 0.50% · 4.625%
HK$34,591
+HK$1,732/mo
Deposit HK$4.10M · loan HK$6.14M · min. income ≈ HK$65,718/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$384,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,693
−HK$2,050/mo
▼ 0.25% · 3.875%
HK$33,710
−HK$1,033/mo
Today · 4.125%
HK$34,743
baseline
▲ 0.50% · 4.625%
HK$36,857
+HK$2,114/mo
Deposit HK$3.07M · loan HK$7.17M · min. income ≈ HK$69,486/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,370
−HK$1,965/mo
▼ 0.25% · 3.875%
HK$37,346
−HK$989/mo
Today · 4.125%
HK$38,335
baseline
▲ 0.50% · 4.625%
HK$40,356
+HK$2,021/mo
Deposit HK$3.07M · loan HK$7.17M · min. income ≈ HK$76,670/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,033
−HK$2,636/mo
▼ 0.25% · 3.875%
HK$43,341
−HK$1,328/mo
Today · 4.125%
HK$44,669
baseline
▲ 0.50% · 4.625%
HK$47,387
+HK$2,718/mo
Deposit HK$1.02M · loan HK$9.22M · min. income ≈ HK$89,338/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,762
−HK$2,526/mo
▼ 0.25% · 3.875%
HK$48,016
−HK$1,272/mo
Today · 4.125%
HK$49,288
baseline
▲ 0.50% · 4.625%
HK$51,886
+HK$2,598/mo
Deposit HK$1.02M · loan HK$9.22M · min. income ≈ HK$98,576/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,034 · Scale 2, in force from 26 Feb 2026)