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$23,844
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$24,586
−HK$754/mo
Today · 4.125%
HK$25,340
baseline
▲ 0.50% · 4.625%
HK$26,881
+HK$1,541/mo
Deposit HK$5.23M · loan HK$5.23M · min. income ≈ HK$50,680/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$392,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,527
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$27,238
−HK$722/mo
Today · 4.125%
HK$27,960
baseline
▲ 0.50% · 4.625%
HK$29,434
+HK$1,474/mo
Deposit HK$5.23M · loan HK$5.23M · min. income ≈ HK$55,920/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$392,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,613
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$29,503
−HK$905/mo
Today · 4.125%
HK$30,408
baseline
▲ 0.50% · 4.625%
HK$32,258
+HK$1,850/mo
Deposit HK$4.18M · loan HK$6.27M · min. income ≈ HK$60,816/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$392,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,832
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$32,686
−HK$866/mo
Today · 4.125%
HK$33,552
baseline
▲ 0.50% · 4.625%
HK$35,320
+HK$1,768/mo
Deposit HK$4.18M · loan HK$6.27M · min. income ≈ HK$67,104/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$392,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,382
−HK$2,093/mo
▼ 0.25% · 3.875%
HK$34,420
−HK$1,055/mo
Today · 4.125%
HK$35,475
baseline
▲ 0.50% · 4.625%
HK$37,634
+HK$2,159/mo
Deposit HK$3.14M · loan HK$7.32M · min. income ≈ HK$70,950/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$392,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,137
−HK$2,007/mo
▼ 0.25% · 3.875%
HK$38,133
−HK$1,011/mo
Today · 4.125%
HK$39,144
baseline
▲ 0.50% · 4.625%
HK$41,207
+HK$2,063/mo
Deposit HK$3.14M · loan HK$7.32M · min. income ≈ HK$78,288/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$392,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,920
−HK$2,691/mo
▼ 0.25% · 3.875%
HK$44,255
−HK$1,356/mo
Today · 4.125%
HK$45,611
baseline
▲ 0.50% · 4.625%
HK$48,387
+HK$2,776/mo
Deposit HK$1.05M · loan HK$9.41M · min. income ≈ HK$91,222/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,748
−HK$2,580/mo
▼ 0.25% · 3.875%
HK$49,028
−HK$1,300/mo
Today · 4.125%
HK$50,328
baseline
▲ 0.50% · 4.625%
HK$52,980
+HK$2,652/mo
Deposit HK$1.05M · loan HK$9.41M · min. income ≈ HK$100,656/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,133 · Scale 2, in force from 26 Feb 2026)