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$23,841
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$24,582
−HK$754/mo
Today · 4.125%
HK$25,336
baseline
▲ 0.50% · 4.625%
HK$26,877
+HK$1,541/mo
Deposit HK$5.23M · loan HK$5.23M · min. income ≈ HK$50,672/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$392,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,522
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$27,234
−HK$721/mo
Today · 4.125%
HK$27,955
baseline
▲ 0.50% · 4.625%
HK$29,429
+HK$1,474/mo
Deposit HK$5.23M · loan HK$5.23M · min. income ≈ HK$55,910/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$392,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,609
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$29,499
−HK$904/mo
Today · 4.125%
HK$30,403
baseline
▲ 0.50% · 4.625%
HK$32,253
+HK$1,850/mo
Deposit HK$4.18M · loan HK$6.27M · min. income ≈ HK$60,806/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$392,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,827
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$32,681
−HK$865/mo
Today · 4.125%
HK$33,546
baseline
▲ 0.50% · 4.625%
HK$35,315
+HK$1,769/mo
Deposit HK$4.18M · loan HK$6.27M · min. income ≈ HK$67,092/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$392,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,377
−HK$2,093/mo
▼ 0.25% · 3.875%
HK$34,415
−HK$1,055/mo
Today · 4.125%
HK$35,470
baseline
▲ 0.50% · 4.625%
HK$37,628
+HK$2,158/mo
Deposit HK$3.14M · loan HK$7.32M · min. income ≈ HK$70,940/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$392,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,131
−HK$2,007/mo
▼ 0.25% · 3.875%
HK$38,127
−HK$1,011/mo
Today · 4.125%
HK$39,138
baseline
▲ 0.50% · 4.625%
HK$41,201
+HK$2,063/mo
Deposit HK$3.14M · loan HK$7.32M · min. income ≈ HK$78,276/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$392,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,913
−HK$2,691/mo
▼ 0.25% · 3.875%
HK$44,248
−HK$1,356/mo
Today · 4.125%
HK$45,604
baseline
▲ 0.50% · 4.625%
HK$48,379
+HK$2,775/mo
Deposit HK$1.05M · loan HK$9.41M · min. income ≈ HK$91,208/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,740
−HK$2,580/mo
▼ 0.25% · 3.875%
HK$49,021
−HK$1,299/mo
Today · 4.125%
HK$50,320
baseline
▲ 0.50% · 4.625%
HK$52,972
+HK$2,652/mo
Deposit HK$1.05M · loan HK$9.41M · min. income ≈ HK$100,640/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,072 · Scale 2, in force from 26 Feb 2026)