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$23,337
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$24,063
−HK$738/mo
Today · 4.125%
HK$24,801
baseline
▲ 0.50% · 4.625%
HK$26,310
+HK$1,509/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$49,602/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$383,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,962
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$26,659
−HK$706/mo
Today · 4.125%
HK$27,365
baseline
▲ 0.50% · 4.625%
HK$28,808
+HK$1,443/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$54,730/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$383,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,005
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$28,876
−HK$885/mo
Today · 4.125%
HK$29,761
baseline
▲ 0.50% · 4.625%
HK$31,572
+HK$1,811/mo
Deposit HK$4.09M · loan HK$6.14M · min. income ≈ HK$59,522/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$383,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,155
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$31,991
−HK$847/mo
Today · 4.125%
HK$32,838
baseline
▲ 0.50% · 4.625%
HK$34,569
+HK$1,731/mo
Deposit HK$4.09M · loan HK$6.14M · min. income ≈ HK$65,676/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$383,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,672
−HK$2,049/mo
▼ 0.25% · 3.875%
HK$33,688
−HK$1,033/mo
Today · 4.125%
HK$34,721
baseline
▲ 0.50% · 4.625%
HK$36,834
+HK$2,113/mo
Deposit HK$3.07M · loan HK$7.16M · min. income ≈ HK$69,442/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,347
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$37,322
−HK$989/mo
Today · 4.125%
HK$38,311
baseline
▲ 0.50% · 4.625%
HK$40,331
+HK$2,020/mo
Deposit HK$3.07M · loan HK$7.16M · min. income ≈ HK$76,622/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,007
−HK$2,634/mo
▼ 0.25% · 3.875%
HK$43,314
−HK$1,327/mo
Today · 4.125%
HK$44,641
baseline
▲ 0.50% · 4.625%
HK$47,358
+HK$2,717/mo
Deposit HK$1.02M · loan HK$9.21M · min. income ≈ HK$89,282/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,732
−HK$2,525/mo
▼ 0.25% · 3.875%
HK$47,986
−HK$1,271/mo
Today · 4.125%
HK$49,257
baseline
▲ 0.50% · 4.625%
HK$51,854
+HK$2,597/mo
Deposit HK$1.02M · loan HK$9.21M · min. income ≈ HK$98,514/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,794 · Scale 2, in force from 26 Feb 2026)