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$23,341
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$24,067
−HK$737/mo
Today · 4.125%
HK$24,804
baseline
▲ 0.50% · 4.625%
HK$26,314
+HK$1,510/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$49,608/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$383,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,966
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$26,663
−HK$706/mo
Today · 4.125%
HK$27,369
baseline
▲ 0.50% · 4.625%
HK$28,812
+HK$1,443/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$54,738/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$383,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,009
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$28,880
−HK$885/mo
Today · 4.125%
HK$29,765
baseline
▲ 0.50% · 4.625%
HK$31,576
+HK$1,811/mo
Deposit HK$4.09M · loan HK$6.14M · min. income ≈ HK$59,530/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$383,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,160
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$31,995
−HK$848/mo
Today · 4.125%
HK$32,843
baseline
▲ 0.50% · 4.625%
HK$34,574
+HK$1,731/mo
Deposit HK$4.09M · loan HK$6.14M · min. income ≈ HK$65,686/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$383,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,677
−HK$2,049/mo
▼ 0.25% · 3.875%
HK$33,693
−HK$1,033/mo
Today · 4.125%
HK$34,726
baseline
▲ 0.50% · 4.625%
HK$36,839
+HK$2,113/mo
Deposit HK$3.07M · loan HK$7.17M · min. income ≈ HK$69,452/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,353
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$37,328
−HK$989/mo
Today · 4.125%
HK$38,317
baseline
▲ 0.50% · 4.625%
HK$40,337
+HK$2,020/mo
Deposit HK$3.07M · loan HK$7.17M · min. income ≈ HK$76,634/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,013
−HK$2,635/mo
▼ 0.25% · 3.875%
HK$43,320
−HK$1,328/mo
Today · 4.125%
HK$44,648
baseline
▲ 0.50% · 4.625%
HK$47,365
+HK$2,717/mo
Deposit HK$1.02M · loan HK$9.21M · min. income ≈ HK$89,296/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,739
−HK$2,525/mo
▼ 0.25% · 3.875%
HK$47,993
−HK$1,271/mo
Today · 4.125%
HK$49,264
baseline
▲ 0.50% · 4.625%
HK$51,861
+HK$2,597/mo
Deposit HK$1.02M · loan HK$9.21M · min. income ≈ HK$98,528/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,850 · Scale 2, in force from 26 Feb 2026)