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$26,318
+HK$1,510/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$383,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,970
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$26,667
−HK$706/mo
Today · 4.125%
HK$27,373
baseline
▲ 0.50% · 4.625%
HK$28,816
+HK$1,443/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$383,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,013
−HK$1,757/mo
▼ 0.25% · 3.875%
HK$28,884
−HK$886/mo
Today · 4.125%
HK$29,770
baseline
▲ 0.50% · 4.625%
HK$31,581
+HK$1,811/mo
Deposit HK$4.10M · loan HK$6.14M · min. income ≈ HK$59,540/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$383,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,164
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$32,000
−HK$848/mo
Today · 4.125%
HK$32,848
baseline
▲ 0.50% · 4.625%
HK$34,579
+HK$1,731/mo
Deposit HK$4.10M · loan HK$6.14M · min. income ≈ HK$65,696/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$383,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,682
−HK$2,049/mo
▼ 0.25% · 3.875%
HK$33,698
−HK$1,033/mo
Today · 4.125%
HK$34,731
baseline
▲ 0.50% · 4.625%
HK$36,845
+HK$2,114/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$383,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,358
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$37,333
−HK$989/mo
Today · 4.125%
HK$38,322
baseline
▲ 0.50% · 4.625%
HK$40,343
+HK$2,021/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$383,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,019
−HK$2,635/mo
▼ 0.25% · 3.875%
HK$43,327
−HK$1,327/mo
Today · 4.125%
HK$44,654
baseline
▲ 0.50% · 4.625%
HK$47,372
+HK$2,718/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$383,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,746
−HK$2,526/mo
▼ 0.25% · 3.875%
HK$48,000
−HK$1,272/mo
Today · 4.125%
HK$49,272
baseline
▲ 0.50% · 4.625%
HK$51,869
+HK$2,597/mo
Deposit HK$1.02M · loan HK$9.21M · min. income ≈ HK$98,544/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,907 · Scale 2, in force from 26 Feb 2026)