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$23,344
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$24,071
−HK$737/mo
Today · 4.125%
HK$24,808
baseline
▲ 0.50% · 4.625%
HK$26,318
+HK$1,510/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$49,616/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$383,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,970
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$26,667
−HK$707/mo
Today · 4.125%
HK$27,374
baseline
▲ 0.50% · 4.625%
HK$28,816
+HK$1,442/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$54,748/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$383,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,013
−HK$1,757/mo
▼ 0.25% · 3.875%
HK$28,885
−HK$885/mo
Today · 4.125%
HK$29,770
baseline
▲ 0.50% · 4.625%
HK$31,581
+HK$1,811/mo
Deposit HK$4.10M · loan HK$6.14M · min. income ≈ HK$59,540/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$383,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,165
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$32,000
−HK$848/mo
Today · 4.125%
HK$32,848
baseline
▲ 0.50% · 4.625%
HK$34,580
+HK$1,732/mo
Deposit HK$4.10M · loan HK$6.14M · min. income ≈ HK$65,696/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$383,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,682
−HK$2,050/mo
▼ 0.25% · 3.875%
HK$33,699
−HK$1,033/mo
Today · 4.125%
HK$34,732
baseline
▲ 0.50% · 4.625%
HK$36,845
+HK$2,113/mo
Deposit HK$3.07M · loan HK$7.17M · min. income ≈ HK$69,464/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$383,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,359
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$37,334
−HK$989/mo
Today · 4.125%
HK$38,323
baseline
▲ 0.50% · 4.625%
HK$40,343
+HK$2,020/mo
Deposit HK$3.07M · loan HK$7.17M · min. income ≈ HK$76,646/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$383,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,020
−HK$2,635/mo
▼ 0.25% · 3.875%
HK$43,327
−HK$1,328/mo
Today · 4.125%
HK$44,655
baseline
▲ 0.50% · 4.625%
HK$47,372
+HK$2,717/mo
Deposit HK$1.02M · loan HK$9.21M · min. income ≈ HK$89,310/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,747
−HK$2,525/mo
▼ 0.25% · 3.875%
HK$48,001
−HK$1,271/mo
Today · 4.125%
HK$49,272
baseline
▲ 0.50% · 4.625%
HK$51,870
+HK$2,598/mo
Deposit HK$1.02M · loan HK$9.21M · min. income ≈ HK$98,544/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,912 · Scale 2, in force from 26 Feb 2026)