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$23,366
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$24,093
−HK$738/mo
Today · 4.125%
HK$24,831
baseline
▲ 0.50% · 4.625%
HK$26,342
+HK$1,511/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$49,662/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,994
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$26,692
−HK$707/mo
Today · 4.125%
HK$27,399
baseline
▲ 0.50% · 4.625%
HK$28,843
+HK$1,444/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$54,798/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,039
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$28,911
−HK$887/mo
Today · 4.125%
HK$29,798
baseline
▲ 0.50% · 4.625%
HK$31,611
+HK$1,813/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$59,596/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$384,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,193
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$32,030
−HK$849/mo
Today · 4.125%
HK$32,879
baseline
▲ 0.50% · 4.625%
HK$34,612
+HK$1,733/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$65,758/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$384,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,712
−HK$2,052/mo
▼ 0.25% · 3.875%
HK$33,730
−HK$1,034/mo
Today · 4.125%
HK$34,764
baseline
▲ 0.50% · 4.625%
HK$36,879
+HK$2,115/mo
Deposit HK$3.07M · loan HK$7.17M · min. income ≈ HK$69,528/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,392
−HK$1,966/mo
▼ 0.25% · 3.875%
HK$37,368
−HK$990/mo
Today · 4.125%
HK$38,358
baseline
▲ 0.50% · 4.625%
HK$40,380
+HK$2,022/mo
Deposit HK$3.07M · loan HK$7.17M · min. income ≈ HK$76,716/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,059
−HK$2,637/mo
▼ 0.25% · 3.875%
HK$43,367
−HK$1,329/mo
Today · 4.125%
HK$44,696
baseline
▲ 0.50% · 4.625%
HK$47,416
+HK$2,720/mo
Deposit HK$1.02M · loan HK$9.22M · min. income ≈ HK$89,392/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,790
−HK$2,528/mo
▼ 0.25% · 3.875%
HK$48,045
−HK$1,273/mo
Today · 4.125%
HK$49,318
baseline
▲ 0.50% · 4.625%
HK$51,918
+HK$2,600/mo
Deposit HK$1.02M · loan HK$9.22M · min. income ≈ HK$98,636/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,267 · Scale 2, in force from 26 Feb 2026)