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$23,348
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$24,074
−HK$738/mo
Today · 4.125%
HK$24,812
baseline
▲ 0.50% · 4.625%
HK$26,321
+HK$1,509/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$49,624/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$383,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,974
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$26,671
−HK$706/mo
Today · 4.125%
HK$27,377
baseline
▲ 0.50% · 4.625%
HK$28,820
+HK$1,443/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$54,754/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$383,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,017
−HK$1,757/mo
▼ 0.25% · 3.875%
HK$28,889
−HK$885/mo
Today · 4.125%
HK$29,774
baseline
▲ 0.50% · 4.625%
HK$31,586
+HK$1,812/mo
Deposit HK$4.10M · loan HK$6.14M · min. income ≈ HK$59,548/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$383,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,169
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$32,005
−HK$848/mo
Today · 4.125%
HK$32,853
baseline
▲ 0.50% · 4.625%
HK$34,584
+HK$1,731/mo
Deposit HK$4.10M · loan HK$6.14M · min. income ≈ HK$65,706/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$383,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,687
−HK$2,049/mo
▼ 0.25% · 3.875%
HK$33,703
−HK$1,033/mo
Today · 4.125%
HK$34,736
baseline
▲ 0.50% · 4.625%
HK$36,850
+HK$2,114/mo
Deposit HK$3.07M · loan HK$7.17M · min. income ≈ HK$69,472/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$383,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,363
−HK$1,965/mo
▼ 0.25% · 3.875%
HK$37,339
−HK$989/mo
Today · 4.125%
HK$38,328
baseline
▲ 0.50% · 4.625%
HK$40,348
+HK$2,020/mo
Deposit HK$3.07M · loan HK$7.17M · min. income ≈ HK$76,656/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$383,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,026
−HK$2,635/mo
▼ 0.25% · 3.875%
HK$43,333
−HK$1,328/mo
Today · 4.125%
HK$44,661
baseline
▲ 0.50% · 4.625%
HK$47,379
+HK$2,718/mo
Deposit HK$1.02M · loan HK$9.22M · min. income ≈ HK$89,322/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,753
−HK$2,526/mo
▼ 0.25% · 3.875%
HK$48,007
−HK$1,272/mo
Today · 4.125%
HK$49,279
baseline
▲ 0.50% · 4.625%
HK$51,877
+HK$2,598/mo
Deposit HK$1.02M · loan HK$9.22M · min. income ≈ HK$98,558/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,963 · Scale 2, in force from 26 Feb 2026)