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$23,850
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$24,591
−HK$754/mo
Today · 4.125%
HK$25,345
baseline
▲ 0.50% · 4.625%
HK$26,887
+HK$1,542/mo
Deposit HK$5.23M · loan HK$5.23M · min. income ≈ HK$50,690/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$392,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,532
−HK$1,434/mo
▼ 0.25% · 3.875%
HK$27,244
−HK$722/mo
Today · 4.125%
HK$27,966
baseline
▲ 0.50% · 4.625%
HK$29,440
+HK$1,474/mo
Deposit HK$5.23M · loan HK$5.23M · min. income ≈ HK$55,932/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$392,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,620
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$29,510
−HK$904/mo
Today · 4.125%
HK$30,414
baseline
▲ 0.50% · 4.625%
HK$32,265
+HK$1,851/mo
Deposit HK$4.18M · loan HK$6.28M · min. income ≈ HK$60,828/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$392,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,839
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$32,693
−HK$866/mo
Today · 4.125%
HK$33,559
baseline
▲ 0.50% · 4.625%
HK$35,328
+HK$1,769/mo
Deposit HK$4.18M · loan HK$6.28M · min. income ≈ HK$67,118/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$392,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,389
−HK$2,094/mo
▼ 0.25% · 3.875%
HK$34,428
−HK$1,055/mo
Today · 4.125%
HK$35,483
baseline
▲ 0.50% · 4.625%
HK$37,642
+HK$2,159/mo
Deposit HK$3.14M · loan HK$7.32M · min. income ≈ HK$70,966/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$392,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,145
−HK$2,007/mo
▼ 0.25% · 3.875%
HK$38,142
−HK$1,010/mo
Today · 4.125%
HK$39,152
baseline
▲ 0.50% · 4.625%
HK$41,216
+HK$2,064/mo
Deposit HK$3.14M · loan HK$7.32M · min. income ≈ HK$78,304/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$392,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,929
−HK$2,692/mo
▼ 0.25% · 3.875%
HK$44,265
−HK$1,356/mo
Today · 4.125%
HK$45,621
baseline
▲ 0.50% · 4.625%
HK$48,397
+HK$2,776/mo
Deposit HK$1.05M · loan HK$9.41M · min. income ≈ HK$91,242/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,758
−HK$2,581/mo
▼ 0.25% · 3.875%
HK$49,039
−HK$1,300/mo
Today · 4.125%
HK$50,339
baseline
▲ 0.50% · 4.625%
HK$52,992
+HK$2,653/mo
Deposit HK$1.05M · loan HK$9.41M · min. income ≈ HK$100,678/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,220 · Scale 2, in force from 26 Feb 2026)