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$23,833
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$24,574
−HK$753/mo
Today · 4.125%
HK$25,327
baseline
▲ 0.50% · 4.625%
HK$26,868
+HK$1,541/mo
Deposit HK$5.23M · loan HK$5.23M · min. income ≈ HK$50,654/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$391,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,514
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$27,225
−HK$721/mo
Today · 4.125%
HK$27,946
baseline
▲ 0.50% · 4.625%
HK$29,419
+HK$1,473/mo
Deposit HK$5.23M · loan HK$5.23M · min. income ≈ HK$55,892/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$391,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,599
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$29,489
−HK$904/mo
Today · 4.125%
HK$30,393
baseline
▲ 0.50% · 4.625%
HK$32,242
+HK$1,849/mo
Deposit HK$4.18M · loan HK$6.27M · min. income ≈ HK$60,786/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$391,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,816
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$32,670
−HK$865/mo
Today · 4.125%
HK$33,535
baseline
▲ 0.50% · 4.625%
HK$35,303
+HK$1,768/mo
Deposit HK$4.18M · loan HK$6.27M · min. income ≈ HK$67,070/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$391,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,366
−HK$2,092/mo
▼ 0.25% · 3.875%
HK$34,404
−HK$1,054/mo
Today · 4.125%
HK$35,458
baseline
▲ 0.50% · 4.625%
HK$37,616
+HK$2,158/mo
Deposit HK$3.14M · loan HK$7.32M · min. income ≈ HK$70,916/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$391,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,119
−HK$2,005/mo
▼ 0.25% · 3.875%
HK$38,115
−HK$1,009/mo
Today · 4.125%
HK$39,124
baseline
▲ 0.50% · 4.625%
HK$41,187
+HK$2,063/mo
Deposit HK$3.14M · loan HK$7.32M · min. income ≈ HK$78,248/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$391,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,899
−HK$2,690/mo
▼ 0.25% · 3.875%
HK$44,233
−HK$1,356/mo
Today · 4.125%
HK$45,589
baseline
▲ 0.50% · 4.625%
HK$48,363
+HK$2,774/mo
Deposit HK$1.05M · loan HK$9.41M · min. income ≈ HK$91,178/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$391,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,724
−HK$2,579/mo
▼ 0.25% · 3.875%
HK$49,004
−HK$1,299/mo
Today · 4.125%
HK$50,303
baseline
▲ 0.50% · 4.625%
HK$52,954
+HK$2,651/mo
Deposit HK$1.05M · loan HK$9.41M · min. income ≈ HK$100,606/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$391,941 · Scale 2, in force from 26 Feb 2026)