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$23,860
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$24,603
−HK$754/mo
Today · 4.125%
HK$25,357
baseline
▲ 0.50% · 4.625%
HK$26,900
+HK$1,543/mo
Deposit HK$5.23M · loan HK$5.23M · min. income ≈ HK$50,714/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$392,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,545
−HK$1,434/mo
▼ 0.25% · 3.875%
HK$27,256
−HK$723/mo
Today · 4.125%
HK$27,979
baseline
▲ 0.50% · 4.625%
HK$29,453
+HK$1,474/mo
Deposit HK$5.23M · loan HK$5.23M · min. income ≈ HK$55,958/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$392,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,633
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$29,523
−HK$905/mo
Today · 4.125%
HK$30,428
baseline
▲ 0.50% · 4.625%
HK$32,280
+HK$1,852/mo
Deposit HK$4.19M · loan HK$6.28M · min. income ≈ HK$60,856/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$392,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,853
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$32,708
−HK$866/mo
Today · 4.125%
HK$33,574
baseline
▲ 0.50% · 4.625%
HK$35,344
+HK$1,770/mo
Deposit HK$4.19M · loan HK$6.28M · min. income ≈ HK$67,148/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$392,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,405
−HK$2,094/mo
▼ 0.25% · 3.875%
HK$34,444
−HK$1,055/mo
Today · 4.125%
HK$35,499
baseline
▲ 0.50% · 4.625%
HK$37,660
+HK$2,161/mo
Deposit HK$3.14M · loan HK$7.32M · min. income ≈ HK$70,998/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$392,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,162
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$38,159
−HK$1,011/mo
Today · 4.125%
HK$39,170
baseline
▲ 0.50% · 4.625%
HK$41,235
+HK$2,065/mo
Deposit HK$3.14M · loan HK$7.32M · min. income ≈ HK$78,340/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$392,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,949
−HK$2,693/mo
▼ 0.25% · 3.875%
HK$44,285
−HK$1,357/mo
Today · 4.125%
HK$45,642
baseline
▲ 0.50% · 4.625%
HK$48,419
+HK$2,777/mo
Deposit HK$1.05M · loan HK$9.42M · min. income ≈ HK$91,284/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,780
−HK$2,582/mo
▼ 0.25% · 3.875%
HK$49,062
−HK$1,300/mo
Today · 4.125%
HK$50,362
baseline
▲ 0.50% · 4.625%
HK$53,016
+HK$2,654/mo
Deposit HK$1.05M · loan HK$9.42M · min. income ≈ HK$100,724/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,399 · Scale 2, in force from 26 Feb 2026)