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$23,843
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$24,585
−HK$753/mo
Today · 4.125%
HK$25,338
baseline
▲ 0.50% · 4.625%
HK$26,880
+HK$1,542/mo
Deposit HK$5.23M · loan HK$5.23M · min. income ≈ HK$50,676/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$392,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,525
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$27,237
−HK$721/mo
Today · 4.125%
HK$27,958
baseline
▲ 0.50% · 4.625%
HK$29,432
+HK$1,474/mo
Deposit HK$5.23M · loan HK$5.23M · min. income ≈ HK$55,916/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$392,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,612
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$29,502
−HK$904/mo
Today · 4.125%
HK$30,406
baseline
▲ 0.50% · 4.625%
HK$32,256
+HK$1,850/mo
Deposit HK$4.18M · loan HK$6.27M · min. income ≈ HK$60,812/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$392,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,830
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$32,684
−HK$866/mo
Today · 4.125%
HK$33,550
baseline
▲ 0.50% · 4.625%
HK$35,318
+HK$1,768/mo
Deposit HK$4.18M · loan HK$6.27M · min. income ≈ HK$67,100/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$392,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,380
−HK$2,093/mo
▼ 0.25% · 3.875%
HK$34,419
−HK$1,054/mo
Today · 4.125%
HK$35,473
baseline
▲ 0.50% · 4.625%
HK$37,632
+HK$2,159/mo
Deposit HK$3.14M · loan HK$7.32M · min. income ≈ HK$70,946/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$392,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,135
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$38,131
−HK$1,010/mo
Today · 4.125%
HK$39,141
baseline
▲ 0.50% · 4.625%
HK$41,205
+HK$2,064/mo
Deposit HK$3.14M · loan HK$7.32M · min. income ≈ HK$78,282/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$392,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,917
−HK$2,692/mo
▼ 0.25% · 3.875%
HK$44,252
−HK$1,357/mo
Today · 4.125%
HK$45,609
baseline
▲ 0.50% · 4.625%
HK$48,384
+HK$2,775/mo
Deposit HK$1.05M · loan HK$9.41M · min. income ≈ HK$91,218/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,745
−HK$2,580/mo
▼ 0.25% · 3.875%
HK$49,026
−HK$1,299/mo
Today · 4.125%
HK$50,325
baseline
▲ 0.50% · 4.625%
HK$52,977
+HK$2,652/mo
Deposit HK$1.05M · loan HK$9.41M · min. income ≈ HK$100,650/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,111 · Scale 2, in force from 26 Feb 2026)