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$23,807
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$24,547
−HK$753/mo
Today · 4.125%
HK$25,300
baseline
▲ 0.50% · 4.625%
HK$26,839
+HK$1,539/mo
Deposit HK$5.22M · loan HK$5.22M · min. income ≈ HK$50,600/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$391,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,485
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$27,195
−HK$721/mo
Today · 4.125%
HK$27,916
baseline
▲ 0.50% · 4.625%
HK$29,387
+HK$1,471/mo
Deposit HK$5.22M · loan HK$5.22M · min. income ≈ HK$55,832/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$391,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,568
−HK$1,792/mo
▼ 0.25% · 3.875%
HK$29,457
−HK$903/mo
Today · 4.125%
HK$30,360
baseline
▲ 0.50% · 4.625%
HK$32,207
+HK$1,847/mo
Deposit HK$4.18M · loan HK$6.26M · min. income ≈ HK$60,720/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$391,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,782
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$32,634
−HK$865/mo
Today · 4.125%
HK$33,499
baseline
▲ 0.50% · 4.625%
HK$35,265
+HK$1,766/mo
Deposit HK$4.18M · loan HK$6.26M · min. income ≈ HK$66,998/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$391,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,330
−HK$2,090/mo
▼ 0.25% · 3.875%
HK$34,366
−HK$1,054/mo
Today · 4.125%
HK$35,420
baseline
▲ 0.50% · 4.625%
HK$37,575
+HK$2,155/mo
Deposit HK$3.13M · loan HK$7.31M · min. income ≈ HK$70,840/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$391,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,079
−HK$2,003/mo
▼ 0.25% · 3.875%
HK$38,073
−HK$1,009/mo
Today · 4.125%
HK$39,082
baseline
▲ 0.50% · 4.625%
HK$41,142
+HK$2,060/mo
Deposit HK$3.13M · loan HK$7.31M · min. income ≈ HK$78,164/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$391,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,853
−HK$2,687/mo
▼ 0.25% · 3.875%
HK$44,185
−HK$1,355/mo
Today · 4.125%
HK$45,540
baseline
▲ 0.50% · 4.625%
HK$48,311
+HK$2,771/mo
Deposit HK$1.04M · loan HK$9.40M · min. income ≈ HK$91,080/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$391,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,673
−HK$2,576/mo
▼ 0.25% · 3.875%
HK$48,952
−HK$1,297/mo
Today · 4.125%
HK$50,249
baseline
▲ 0.50% · 4.625%
HK$52,897
+HK$2,648/mo
Deposit HK$1.04M · loan HK$9.40M · min. income ≈ HK$100,498/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$391,518 · Scale 2, in force from 26 Feb 2026)