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$23,347
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$24,073
−HK$738/mo
Today · 4.125%
HK$24,811
baseline
▲ 0.50% · 4.625%
HK$26,320
+HK$1,509/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$49,622/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$383,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,973
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$26,669
−HK$707/mo
Today · 4.125%
HK$27,376
baseline
▲ 0.50% · 4.625%
HK$28,819
+HK$1,443/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$54,752/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$383,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,016
−HK$1,757/mo
▼ 0.25% · 3.875%
HK$28,887
−HK$886/mo
Today · 4.125%
HK$29,773
baseline
▲ 0.50% · 4.625%
HK$31,584
+HK$1,811/mo
Deposit HK$4.10M · loan HK$6.14M · min. income ≈ HK$59,546/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$383,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,168
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$32,003
−HK$848/mo
Today · 4.125%
HK$32,851
baseline
▲ 0.50% · 4.625%
HK$34,583
+HK$1,732/mo
Deposit HK$4.10M · loan HK$6.14M · min. income ≈ HK$65,702/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$383,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,685
−HK$2,050/mo
▼ 0.25% · 3.875%
HK$33,702
−HK$1,033/mo
Today · 4.125%
HK$34,735
baseline
▲ 0.50% · 4.625%
HK$36,849
+HK$2,114/mo
Deposit HK$3.07M · loan HK$7.17M · min. income ≈ HK$69,470/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$383,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,362
−HK$1,965/mo
▼ 0.25% · 3.875%
HK$37,337
−HK$990/mo
Today · 4.125%
HK$38,327
baseline
▲ 0.50% · 4.625%
HK$40,347
+HK$2,020/mo
Deposit HK$3.07M · loan HK$7.17M · min. income ≈ HK$76,654/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$383,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,024
−HK$2,635/mo
▼ 0.25% · 3.875%
HK$43,331
−HK$1,328/mo
Today · 4.125%
HK$44,659
baseline
▲ 0.50% · 4.625%
HK$47,377
+HK$2,718/mo
Deposit HK$1.02M · loan HK$9.21M · min. income ≈ HK$89,318/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,751
−HK$2,526/mo
▼ 0.25% · 3.875%
HK$48,005
−HK$1,272/mo
Today · 4.125%
HK$49,277
baseline
▲ 0.50% · 4.625%
HK$51,875
+HK$2,598/mo
Deposit HK$1.02M · loan HK$9.21M · min. income ≈ HK$98,554/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,948 · Scale 2, in force from 26 Feb 2026)