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$23,865
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$24,608
−HK$754/mo
Today · 4.125%
HK$25,362
baseline
▲ 0.50% · 4.625%
HK$26,905
+HK$1,543/mo
Deposit HK$5.23M · loan HK$5.23M · min. income ≈ HK$50,724/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$392,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,550
−HK$1,434/mo
▼ 0.25% · 3.875%
HK$27,262
−HK$722/mo
Today · 4.125%
HK$27,984
baseline
▲ 0.50% · 4.625%
HK$29,459
+HK$1,475/mo
Deposit HK$5.23M · loan HK$5.23M · min. income ≈ HK$55,968/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$392,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,638
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$29,529
−HK$905/mo
Today · 4.125%
HK$30,434
baseline
▲ 0.50% · 4.625%
HK$32,286
+HK$1,852/mo
Deposit HK$4.19M · loan HK$6.28M · min. income ≈ HK$60,868/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$392,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,860
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$32,714
−HK$867/mo
Today · 4.125%
HK$33,581
baseline
▲ 0.50% · 4.625%
HK$35,351
+HK$1,770/mo
Deposit HK$4.19M · loan HK$6.28M · min. income ≈ HK$67,162/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$392,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,412
−HK$2,095/mo
▼ 0.25% · 3.875%
HK$34,451
−HK$1,056/mo
Today · 4.125%
HK$35,507
baseline
▲ 0.50% · 4.625%
HK$37,667
+HK$2,160/mo
Deposit HK$3.14M · loan HK$7.33M · min. income ≈ HK$71,014/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$392,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,170
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$38,167
−HK$1,011/mo
Today · 4.125%
HK$39,178
baseline
▲ 0.50% · 4.625%
HK$41,243
+HK$2,065/mo
Deposit HK$3.14M · loan HK$7.33M · min. income ≈ HK$78,356/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$392,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,958
−HK$2,693/mo
▼ 0.25% · 3.875%
HK$44,294
−HK$1,357/mo
Today · 4.125%
HK$45,651
baseline
▲ 0.50% · 4.625%
HK$48,429
+HK$2,778/mo
Deposit HK$1.05M · loan HK$9.42M · min. income ≈ HK$91,302/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,790
−HK$2,582/mo
▼ 0.25% · 3.875%
HK$49,072
−HK$1,300/mo
Today · 4.125%
HK$50,372
baseline
▲ 0.50% · 4.625%
HK$53,027
+HK$2,655/mo
Deposit HK$1.05M · loan HK$9.42M · min. income ≈ HK$100,744/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,479 · Scale 2, in force from 26 Feb 2026)