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$23,868
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$24,610
−HK$754/mo
Today · 4.125%
HK$25,364
baseline
▲ 0.50% · 4.625%
HK$26,908
+HK$1,544/mo
Deposit HK$5.23M · loan HK$5.23M · min. income ≈ HK$50,728/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$392,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,552
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$27,265
−HK$722/mo
Today · 4.125%
HK$27,987
baseline
▲ 0.50% · 4.625%
HK$29,462
+HK$1,475/mo
Deposit HK$5.23M · loan HK$5.23M · min. income ≈ HK$55,974/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$392,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,641
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$29,532
−HK$905/mo
Today · 4.125%
HK$30,437
baseline
▲ 0.50% · 4.625%
HK$32,289
+HK$1,852/mo
Deposit HK$4.19M · loan HK$6.28M · min. income ≈ HK$60,874/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$392,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,863
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$32,717
−HK$867/mo
Today · 4.125%
HK$33,584
baseline
▲ 0.50% · 4.625%
HK$35,355
+HK$1,771/mo
Deposit HK$4.19M · loan HK$6.28M · min. income ≈ HK$67,168/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$392,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,415
−HK$2,095/mo
▼ 0.25% · 3.875%
HK$34,454
−HK$1,056/mo
Today · 4.125%
HK$35,510
baseline
▲ 0.50% · 4.625%
HK$37,671
+HK$2,161/mo
Deposit HK$3.14M · loan HK$7.33M · min. income ≈ HK$71,020/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$392,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,173
−HK$2,009/mo
▼ 0.25% · 3.875%
HK$38,170
−HK$1,012/mo
Today · 4.125%
HK$39,182
baseline
▲ 0.50% · 4.625%
HK$41,247
+HK$2,065/mo
Deposit HK$3.14M · loan HK$7.33M · min. income ≈ HK$78,364/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$392,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,962
−HK$2,694/mo
▼ 0.25% · 3.875%
HK$44,298
−HK$1,358/mo
Today · 4.125%
HK$45,656
baseline
▲ 0.50% · 4.625%
HK$48,434
+HK$2,778/mo
Deposit HK$1.05M · loan HK$9.42M · min. income ≈ HK$91,312/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,794
−HK$2,583/mo
▼ 0.25% · 3.875%
HK$49,076
−HK$1,301/mo
Today · 4.125%
HK$50,377
baseline
▲ 0.50% · 4.625%
HK$53,032
+HK$2,655/mo
Deposit HK$1.05M · loan HK$9.42M · min. income ≈ HK$100,754/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,515 · Scale 2, in force from 26 Feb 2026)