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$23,838
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$24,580
−HK$753/mo
Today · 4.125%
HK$25,333
baseline
▲ 0.50% · 4.625%
HK$26,875
+HK$1,542/mo
Deposit HK$5.23M · loan HK$5.23M · min. income ≈ HK$50,666/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$392,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,520
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$27,231
−HK$722/mo
Today · 4.125%
HK$27,953
baseline
▲ 0.50% · 4.625%
HK$29,426
+HK$1,473/mo
Deposit HK$5.23M · loan HK$5.23M · min. income ≈ HK$55,906/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$392,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,606
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$29,496
−HK$904/mo
Today · 4.125%
HK$30,400
baseline
▲ 0.50% · 4.625%
HK$32,250
+HK$1,850/mo
Deposit HK$4.18M · loan HK$6.27M · min. income ≈ HK$60,800/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$392,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,824
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$32,677
−HK$866/mo
Today · 4.125%
HK$33,543
baseline
▲ 0.50% · 4.625%
HK$35,311
+HK$1,768/mo
Deposit HK$4.18M · loan HK$6.27M · min. income ≈ HK$67,086/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$392,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,374
−HK$2,092/mo
▼ 0.25% · 3.875%
HK$34,412
−HK$1,054/mo
Today · 4.125%
HK$35,466
baseline
▲ 0.50% · 4.625%
HK$37,624
+HK$2,158/mo
Deposit HK$3.14M · loan HK$7.32M · min. income ≈ HK$70,932/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$392,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,128
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$38,124
−HK$1,010/mo
Today · 4.125%
HK$39,134
baseline
▲ 0.50% · 4.625%
HK$41,196
+HK$2,062/mo
Deposit HK$3.14M · loan HK$7.32M · min. income ≈ HK$78,268/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$392,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,909
−HK$2,691/mo
▼ 0.25% · 3.875%
HK$44,244
−HK$1,356/mo
Today · 4.125%
HK$45,600
baseline
▲ 0.50% · 4.625%
HK$48,374
+HK$2,774/mo
Deposit HK$1.05M · loan HK$9.41M · min. income ≈ HK$91,200/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,736
−HK$2,579/mo
▼ 0.25% · 3.875%
HK$49,016
−HK$1,299/mo
Today · 4.125%
HK$50,315
baseline
▲ 0.50% · 4.625%
HK$52,967
+HK$2,652/mo
Deposit HK$1.05M · loan HK$9.41M · min. income ≈ HK$100,630/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,034 · Scale 2, in force from 26 Feb 2026)