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$23,363
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$24,089
−HK$739/mo
Today · 4.125%
HK$24,828
baseline
▲ 0.50% · 4.625%
HK$26,338
+HK$1,510/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$49,656/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,991
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$26,688
−HK$707/mo
Today · 4.125%
HK$27,395
baseline
▲ 0.50% · 4.625%
HK$28,839
+HK$1,444/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$54,790/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,035
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$28,907
−HK$886/mo
Today · 4.125%
HK$29,793
baseline
▲ 0.50% · 4.625%
HK$31,606
+HK$1,813/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$59,586/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$384,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,189
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$32,025
−HK$849/mo
Today · 4.125%
HK$32,874
baseline
▲ 0.50% · 4.625%
HK$34,607
+HK$1,733/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$65,748/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$384,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,708
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$33,725
−HK$1,034/mo
Today · 4.125%
HK$34,759
baseline
▲ 0.50% · 4.625%
HK$36,874
+HK$2,115/mo
Deposit HK$3.07M · loan HK$7.17M · min. income ≈ HK$69,518/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,387
−HK$1,966/mo
▼ 0.25% · 3.875%
HK$37,363
−HK$990/mo
Today · 4.125%
HK$38,353
baseline
▲ 0.50% · 4.625%
HK$40,375
+HK$2,022/mo
Deposit HK$3.07M · loan HK$7.17M · min. income ≈ HK$76,706/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,053
−HK$2,637/mo
▼ 0.25% · 3.875%
HK$43,361
−HK$1,329/mo
Today · 4.125%
HK$44,690
baseline
▲ 0.50% · 4.625%
HK$47,409
+HK$2,719/mo
Deposit HK$1.02M · loan HK$9.22M · min. income ≈ HK$89,380/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,783
−HK$2,528/mo
▼ 0.25% · 3.875%
HK$48,038
−HK$1,273/mo
Today · 4.125%
HK$49,311
baseline
▲ 0.50% · 4.625%
HK$51,910
+HK$2,599/mo
Deposit HK$1.02M · loan HK$9.22M · min. income ≈ HK$98,622/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,211 · Scale 2, in force from 26 Feb 2026)