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$23,361
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$24,088
−HK$738/mo
Today · 4.125%
HK$24,826
baseline
▲ 0.50% · 4.625%
HK$26,337
+HK$1,511/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$49,652/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,989
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$26,686
−HK$707/mo
Today · 4.125%
HK$27,393
baseline
▲ 0.50% · 4.625%
HK$28,837
+HK$1,444/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$54,786/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,034
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$28,906
−HK$886/mo
Today · 4.125%
HK$29,792
baseline
▲ 0.50% · 4.625%
HK$31,604
+HK$1,812/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$59,584/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$384,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,187
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$32,024
−HK$848/mo
Today · 4.125%
HK$32,872
baseline
▲ 0.50% · 4.625%
HK$34,605
+HK$1,733/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$65,744/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$384,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,706
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$33,723
−HK$1,034/mo
Today · 4.125%
HK$34,757
baseline
▲ 0.50% · 4.625%
HK$36,872
+HK$2,115/mo
Deposit HK$3.07M · loan HK$7.17M · min. income ≈ HK$69,514/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,385
−HK$1,966/mo
▼ 0.25% · 3.875%
HK$37,361
−HK$990/mo
Today · 4.125%
HK$38,351
baseline
▲ 0.50% · 4.625%
HK$40,372
+HK$2,021/mo
Deposit HK$3.07M · loan HK$7.17M · min. income ≈ HK$76,702/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,051
−HK$2,636/mo
▼ 0.25% · 3.875%
HK$43,359
−HK$1,328/mo
Today · 4.125%
HK$44,687
baseline
▲ 0.50% · 4.625%
HK$47,407
+HK$2,720/mo
Deposit HK$1.02M · loan HK$9.22M · min. income ≈ HK$89,374/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,781
−HK$2,527/mo
▼ 0.25% · 3.875%
HK$48,035
−HK$1,273/mo
Today · 4.125%
HK$49,308
baseline
▲ 0.50% · 4.625%
HK$51,907
+HK$2,599/mo
Deposit HK$1.02M · loan HK$9.22M · min. income ≈ HK$98,616/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,191 · Scale 2, in force from 26 Feb 2026)