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$23,349
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$24,076
−HK$738/mo
Today · 4.125%
HK$24,814
baseline
▲ 0.50% · 4.625%
HK$26,324
+HK$1,510/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$49,628/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$383,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,976
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$26,673
−HK$706/mo
Today · 4.125%
HK$27,379
baseline
▲ 0.50% · 4.625%
HK$28,823
+HK$1,444/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$54,758/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$383,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,019
−HK$1,757/mo
▼ 0.25% · 3.875%
HK$28,891
−HK$885/mo
Today · 4.125%
HK$29,776
baseline
▲ 0.50% · 4.625%
HK$31,588
+HK$1,812/mo
Deposit HK$4.10M · loan HK$6.14M · min. income ≈ HK$59,552/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$383,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,171
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$32,007
−HK$848/mo
Today · 4.125%
HK$32,855
baseline
▲ 0.50% · 4.625%
HK$34,587
+HK$1,732/mo
Deposit HK$4.10M · loan HK$6.14M · min. income ≈ HK$65,710/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$383,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,689
−HK$2,050/mo
▼ 0.25% · 3.875%
HK$33,706
−HK$1,033/mo
Today · 4.125%
HK$34,739
baseline
▲ 0.50% · 4.625%
HK$36,853
+HK$2,114/mo
Deposit HK$3.07M · loan HK$7.17M · min. income ≈ HK$69,478/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$383,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,366
−HK$1,965/mo
▼ 0.25% · 3.875%
HK$37,342
−HK$989/mo
Today · 4.125%
HK$38,331
baseline
▲ 0.50% · 4.625%
HK$40,352
+HK$2,021/mo
Deposit HK$3.07M · loan HK$7.17M · min. income ≈ HK$76,662/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$383,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,029
−HK$2,636/mo
▼ 0.25% · 3.875%
HK$43,336
−HK$1,329/mo
Today · 4.125%
HK$44,665
baseline
▲ 0.50% · 4.625%
HK$47,382
+HK$2,717/mo
Deposit HK$1.02M · loan HK$9.22M · min. income ≈ HK$89,330/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,757
−HK$2,526/mo
▼ 0.25% · 3.875%
HK$48,011
−HK$1,272/mo
Today · 4.125%
HK$49,283
baseline
▲ 0.50% · 4.625%
HK$51,881
+HK$2,598/mo
Deposit HK$1.02M · loan HK$9.22M · min. income ≈ HK$98,566/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,994 · Scale 2, in force from 26 Feb 2026)