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$23,846
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$24,588
−HK$753/mo
Today · 4.125%
HK$25,341
baseline
▲ 0.50% · 4.625%
HK$26,883
+HK$1,542/mo
Deposit HK$5.23M · loan HK$5.23M · min. income ≈ HK$50,682/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$392,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,528
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$27,240
−HK$721/mo
Today · 4.125%
HK$27,961
baseline
▲ 0.50% · 4.625%
HK$29,435
+HK$1,474/mo
Deposit HK$5.23M · loan HK$5.23M · min. income ≈ HK$55,922/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$392,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,615
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$29,505
−HK$904/mo
Today · 4.125%
HK$30,409
baseline
▲ 0.50% · 4.625%
HK$32,260
+HK$1,851/mo
Deposit HK$4.18M · loan HK$6.27M · min. income ≈ HK$60,818/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$392,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,834
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$32,688
−HK$866/mo
Today · 4.125%
HK$33,554
baseline
▲ 0.50% · 4.625%
HK$35,322
+HK$1,768/mo
Deposit HK$4.18M · loan HK$6.27M · min. income ≈ HK$67,108/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$392,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,384
−HK$2,094/mo
▼ 0.25% · 3.875%
HK$34,423
−HK$1,055/mo
Today · 4.125%
HK$35,478
baseline
▲ 0.50% · 4.625%
HK$37,636
+HK$2,158/mo
Deposit HK$3.14M · loan HK$7.32M · min. income ≈ HK$70,956/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$392,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,140
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$38,136
−HK$1,010/mo
Today · 4.125%
HK$39,146
baseline
▲ 0.50% · 4.625%
HK$41,210
+HK$2,064/mo
Deposit HK$3.14M · loan HK$7.32M · min. income ≈ HK$78,292/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$392,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,922
−HK$2,692/mo
▼ 0.25% · 3.875%
HK$44,258
−HK$1,356/mo
Today · 4.125%
HK$45,614
baseline
▲ 0.50% · 4.625%
HK$48,390
+HK$2,776/mo
Deposit HK$1.05M · loan HK$9.41M · min. income ≈ HK$91,228/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,751
−HK$2,580/mo
▼ 0.25% · 3.875%
HK$49,031
−HK$1,300/mo
Today · 4.125%
HK$50,331
baseline
▲ 0.50% · 4.625%
HK$52,984
+HK$2,653/mo
Deposit HK$1.05M · loan HK$9.41M · min. income ≈ HK$100,662/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,157 · Scale 2, in force from 26 Feb 2026)