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$23,836
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$24,578
−HK$753/mo
Today · 4.125%
HK$25,331
baseline
▲ 0.50% · 4.625%
HK$26,873
+HK$1,542/mo
Deposit HK$5.23M · loan HK$5.23M · min. income ≈ HK$50,662/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$392,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,518
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$27,229
−HK$721/mo
Today · 4.125%
HK$27,950
baseline
▲ 0.50% · 4.625%
HK$29,424
+HK$1,474/mo
Deposit HK$5.23M · loan HK$5.23M · min. income ≈ HK$55,900/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$392,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,604
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$29,493
−HK$904/mo
Today · 4.125%
HK$30,397
baseline
▲ 0.50% · 4.625%
HK$32,247
+HK$1,850/mo
Deposit HK$4.18M · loan HK$6.27M · min. income ≈ HK$60,794/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$392,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,821
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$32,675
−HK$866/mo
Today · 4.125%
HK$33,541
baseline
▲ 0.50% · 4.625%
HK$35,309
+HK$1,768/mo
Deposit HK$4.18M · loan HK$6.27M · min. income ≈ HK$67,082/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$392,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,371
−HK$2,093/mo
▼ 0.25% · 3.875%
HK$34,409
−HK$1,055/mo
Today · 4.125%
HK$35,464
baseline
▲ 0.50% · 4.625%
HK$37,622
+HK$2,158/mo
Deposit HK$3.14M · loan HK$7.32M · min. income ≈ HK$70,928/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$392,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,125
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$38,121
−HK$1,010/mo
Today · 4.125%
HK$39,131
baseline
▲ 0.50% · 4.625%
HK$41,193
+HK$2,062/mo
Deposit HK$3.14M · loan HK$7.32M · min. income ≈ HK$78,262/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$392,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,906
−HK$2,690/mo
▼ 0.25% · 3.875%
HK$44,240
−HK$1,356/mo
Today · 4.125%
HK$45,596
baseline
▲ 0.50% · 4.625%
HK$48,371
+HK$2,775/mo
Deposit HK$1.05M · loan HK$9.41M · min. income ≈ HK$91,192/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,732
−HK$2,579/mo
▼ 0.25% · 3.875%
HK$49,012
−HK$1,299/mo
Today · 4.125%
HK$50,311
baseline
▲ 0.50% · 4.625%
HK$52,963
+HK$2,652/mo
Deposit HK$1.05M · loan HK$9.41M · min. income ≈ HK$100,622/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,003 · Scale 2, in force from 26 Feb 2026)