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$23,363
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$24,090
−HK$738/mo
Today · 4.125%
HK$24,828
baseline
▲ 0.50% · 4.625%
HK$26,339
+HK$1,511/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$49,656/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,992
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$26,689
−HK$707/mo
Today · 4.125%
HK$27,396
baseline
▲ 0.50% · 4.625%
HK$28,840
+HK$1,444/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$54,792/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,036
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$28,908
−HK$886/mo
Today · 4.125%
HK$29,794
baseline
▲ 0.50% · 4.625%
HK$31,607
+HK$1,813/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$59,588/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$384,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,190
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$32,026
−HK$849/mo
Today · 4.125%
HK$32,875
baseline
▲ 0.50% · 4.625%
HK$34,608
+HK$1,733/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$65,750/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$384,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,709
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$33,726
−HK$1,034/mo
Today · 4.125%
HK$34,760
baseline
▲ 0.50% · 4.625%
HK$36,875
+HK$2,115/mo
Deposit HK$3.07M · loan HK$7.17M · min. income ≈ HK$69,520/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,388
−HK$1,966/mo
▼ 0.25% · 3.875%
HK$37,364
−HK$990/mo
Today · 4.125%
HK$38,354
baseline
▲ 0.50% · 4.625%
HK$40,376
+HK$2,022/mo
Deposit HK$3.07M · loan HK$7.17M · min. income ≈ HK$76,708/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,054
−HK$2,637/mo
▼ 0.25% · 3.875%
HK$43,362
−HK$1,329/mo
Today · 4.125%
HK$44,691
baseline
▲ 0.50% · 4.625%
HK$47,411
+HK$2,720/mo
Deposit HK$1.02M · loan HK$9.22M · min. income ≈ HK$89,382/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,785
−HK$2,527/mo
▼ 0.25% · 3.875%
HK$48,040
−HK$1,272/mo
Today · 4.125%
HK$49,312
baseline
▲ 0.50% · 4.625%
HK$51,912
+HK$2,600/mo
Deposit HK$1.02M · loan HK$9.22M · min. income ≈ HK$98,624/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,224 · Scale 2, in force from 26 Feb 2026)