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$23,821
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$24,562
−HK$753/mo
Today · 4.125%
HK$25,315
baseline
▲ 0.50% · 4.625%
HK$26,855
+HK$1,540/mo
Deposit HK$5.22M · loan HK$5.22M · min. income ≈ HK$50,630/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$391,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,501
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$27,212
−HK$721/mo
Today · 4.125%
HK$27,933
baseline
▲ 0.50% · 4.625%
HK$29,405
+HK$1,472/mo
Deposit HK$5.22M · loan HK$5.22M · min. income ≈ HK$55,866/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$391,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,585
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$29,475
−HK$903/mo
Today · 4.125%
HK$30,378
baseline
▲ 0.50% · 4.625%
HK$32,226
+HK$1,848/mo
Deposit HK$4.18M · loan HK$6.27M · min. income ≈ HK$60,756/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$391,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,801
−HK$1,718/mo
▼ 0.25% · 3.875%
HK$32,654
−HK$865/mo
Today · 4.125%
HK$33,519
baseline
▲ 0.50% · 4.625%
HK$35,286
+HK$1,767/mo
Deposit HK$4.18M · loan HK$6.27M · min. income ≈ HK$67,038/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$391,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,350
−HK$2,091/mo
▼ 0.25% · 3.875%
HK$34,387
−HK$1,054/mo
Today · 4.125%
HK$35,441
baseline
▲ 0.50% · 4.625%
HK$37,597
+HK$2,156/mo
Deposit HK$3.13M · loan HK$7.31M · min. income ≈ HK$70,882/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$391,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,101
−HK$2,005/mo
▼ 0.25% · 3.875%
HK$38,096
−HK$1,010/mo
Today · 4.125%
HK$39,106
baseline
▲ 0.50% · 4.625%
HK$41,167
+HK$2,061/mo
Deposit HK$3.13M · loan HK$7.31M · min. income ≈ HK$78,212/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$391,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,878
−HK$2,689/mo
▼ 0.25% · 3.875%
HK$44,212
−HK$1,355/mo
Today · 4.125%
HK$45,567
baseline
▲ 0.50% · 4.625%
HK$48,340
+HK$2,773/mo
Deposit HK$1.04M · loan HK$9.40M · min. income ≈ HK$91,134/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$391,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,701
−HK$2,578/mo
▼ 0.25% · 3.875%
HK$48,981
−HK$1,298/mo
Today · 4.125%
HK$50,279
baseline
▲ 0.50% · 4.625%
HK$52,929
+HK$2,650/mo
Deposit HK$1.04M · loan HK$9.40M · min. income ≈ HK$100,558/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$391,752 · Scale 2, in force from 26 Feb 2026)