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$23,361
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$24,088
−HK$738/mo
Today · 4.125%
HK$24,826
baseline
▲ 0.50% · 4.625%
HK$26,336
+HK$1,510/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$49,652/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,989
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$26,686
−HK$707/mo
Today · 4.125%
HK$27,393
baseline
▲ 0.50% · 4.625%
HK$28,837
+HK$1,444/mo
Deposit HK$5.12M · loan HK$5.12M · min. income ≈ HK$54,786/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,033
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$28,905
−HK$886/mo
Today · 4.125%
HK$29,791
baseline
▲ 0.50% · 4.625%
HK$31,604
+HK$1,813/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$59,582/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$384,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,187
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$32,023
−HK$848/mo
Today · 4.125%
HK$32,871
baseline
▲ 0.50% · 4.625%
HK$34,604
+HK$1,733/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$65,742/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$384,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,705
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$33,723
−HK$1,033/mo
Today · 4.125%
HK$34,756
baseline
▲ 0.50% · 4.625%
HK$36,871
+HK$2,115/mo
Deposit HK$3.07M · loan HK$7.17M · min. income ≈ HK$69,512/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,384
−HK$1,966/mo
▼ 0.25% · 3.875%
HK$37,360
−HK$990/mo
Today · 4.125%
HK$38,350
baseline
▲ 0.50% · 4.625%
HK$40,372
+HK$2,022/mo
Deposit HK$3.07M · loan HK$7.17M · min. income ≈ HK$76,700/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,050
−HK$2,637/mo
▼ 0.25% · 3.875%
HK$43,358
−HK$1,329/mo
Today · 4.125%
HK$44,687
baseline
▲ 0.50% · 4.625%
HK$47,406
+HK$2,719/mo
Deposit HK$1.02M · loan HK$9.22M · min. income ≈ HK$89,374/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,780
−HK$2,527/mo
▼ 0.25% · 3.875%
HK$48,034
−HK$1,273/mo
Today · 4.125%
HK$49,307
baseline
▲ 0.50% · 4.625%
HK$51,906
+HK$2,599/mo
Deposit HK$1.02M · loan HK$9.22M · min. income ≈ HK$98,614/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,183 · Scale 2, in force from 26 Feb 2026)