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$23,336
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$24,062
−HK$737/mo
Today · 4.125%
HK$24,799
baseline
▲ 0.50% · 4.625%
HK$26,308
+HK$1,509/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$49,598/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$383,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,961
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$26,657
−HK$707/mo
Today · 4.125%
HK$27,364
baseline
▲ 0.50% · 4.625%
HK$28,806
+HK$1,442/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$54,728/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$383,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,003
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$28,874
−HK$885/mo
Today · 4.125%
HK$29,759
baseline
▲ 0.50% · 4.625%
HK$31,570
+HK$1,811/mo
Deposit HK$4.09M · loan HK$6.14M · min. income ≈ HK$59,518/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$383,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,153
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$31,989
−HK$847/mo
Today · 4.125%
HK$32,836
baseline
▲ 0.50% · 4.625%
HK$34,567
+HK$1,731/mo
Deposit HK$4.09M · loan HK$6.14M · min. income ≈ HK$65,672/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$383,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,670
−HK$2,049/mo
▼ 0.25% · 3.875%
HK$33,687
−HK$1,032/mo
Today · 4.125%
HK$34,719
baseline
▲ 0.50% · 4.625%
HK$36,832
+HK$2,113/mo
Deposit HK$3.07M · loan HK$7.16M · min. income ≈ HK$69,438/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,345
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$37,320
−HK$989/mo
Today · 4.125%
HK$38,309
baseline
▲ 0.50% · 4.625%
HK$40,328
+HK$2,019/mo
Deposit HK$3.07M · loan HK$7.16M · min. income ≈ HK$76,618/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,005
−HK$2,634/mo
▼ 0.25% · 3.875%
HK$43,311
−HK$1,328/mo
Today · 4.125%
HK$44,639
baseline
▲ 0.50% · 4.625%
HK$47,355
+HK$2,716/mo
Deposit HK$1.02M · loan HK$9.21M · min. income ≈ HK$89,278/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,730
−HK$2,524/mo
▼ 0.25% · 3.875%
HK$47,983
−HK$1,271/mo
Today · 4.125%
HK$49,254
baseline
▲ 0.50% · 4.625%
HK$51,851
+HK$2,597/mo
Deposit HK$1.02M · loan HK$9.21M · min. income ≈ HK$98,508/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,772 · Scale 2, in force from 26 Feb 2026)