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$23,806
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$24,546
−HK$753/mo
Today · 4.125%
HK$25,299
baseline
▲ 0.50% · 4.625%
HK$26,838
+HK$1,539/mo
Deposit HK$5.22M · loan HK$5.22M · min. income ≈ HK$50,598/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$391,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,484
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$27,194
−HK$720/mo
Today · 4.125%
HK$27,914
baseline
▲ 0.50% · 4.625%
HK$29,386
+HK$1,472/mo
Deposit HK$5.22M · loan HK$5.22M · min. income ≈ HK$55,828/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$391,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,567
−HK$1,791/mo
▼ 0.25% · 3.875%
HK$29,455
−HK$903/mo
Today · 4.125%
HK$30,358
baseline
▲ 0.50% · 4.625%
HK$32,205
+HK$1,847/mo
Deposit HK$4.18M · loan HK$6.26M · min. income ≈ HK$60,716/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$391,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,780
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$32,633
−HK$864/mo
Today · 4.125%
HK$33,497
baseline
▲ 0.50% · 4.625%
HK$35,263
+HK$1,766/mo
Deposit HK$4.18M · loan HK$6.26M · min. income ≈ HK$66,994/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$391,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,328
−HK$2,090/mo
▼ 0.25% · 3.875%
HK$34,365
−HK$1,053/mo
Today · 4.125%
HK$35,418
baseline
▲ 0.50% · 4.625%
HK$37,573
+HK$2,155/mo
Deposit HK$3.13M · loan HK$7.31M · min. income ≈ HK$70,836/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$391,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,077
−HK$2,003/mo
▼ 0.25% · 3.875%
HK$38,071
−HK$1,009/mo
Today · 4.125%
HK$39,080
baseline
▲ 0.50% · 4.625%
HK$41,140
+HK$2,060/mo
Deposit HK$3.13M · loan HK$7.31M · min. income ≈ HK$78,160/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$391,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,850
−HK$2,687/mo
▼ 0.25% · 3.875%
HK$44,183
−HK$1,354/mo
Today · 4.125%
HK$45,537
baseline
▲ 0.50% · 4.625%
HK$48,308
+HK$2,771/mo
Deposit HK$1.04M · loan HK$9.40M · min. income ≈ HK$91,074/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$391,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,671
−HK$2,575/mo
▼ 0.25% · 3.875%
HK$48,949
−HK$1,297/mo
Today · 4.125%
HK$50,246
baseline
▲ 0.50% · 4.625%
HK$52,895
+HK$2,649/mo
Deposit HK$1.04M · loan HK$9.40M · min. income ≈ HK$100,492/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$391,498 · Scale 2, in force from 26 Feb 2026)