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$23,863
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$24,605
−HK$754/mo
Today · 4.125%
HK$25,359
baseline
▲ 0.50% · 4.625%
HK$26,902
+HK$1,543/mo
Deposit HK$5.23M · loan HK$5.23M · min. income ≈ HK$50,718/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$392,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,547
−HK$1,434/mo
▼ 0.25% · 3.875%
HK$27,259
−HK$722/mo
Today · 4.125%
HK$27,981
baseline
▲ 0.50% · 4.625%
HK$29,456
+HK$1,475/mo
Deposit HK$5.23M · loan HK$5.23M · min. income ≈ HK$55,962/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$392,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,635
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$29,526
−HK$905/mo
Today · 4.125%
HK$30,431
baseline
▲ 0.50% · 4.625%
HK$32,283
+HK$1,852/mo
Deposit HK$4.19M · loan HK$6.28M · min. income ≈ HK$60,862/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$392,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,856
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$32,711
−HK$867/mo
Today · 4.125%
HK$33,578
baseline
▲ 0.50% · 4.625%
HK$35,348
+HK$1,770/mo
Deposit HK$4.19M · loan HK$6.28M · min. income ≈ HK$67,156/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$392,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,408
−HK$2,095/mo
▼ 0.25% · 3.875%
HK$34,447
−HK$1,056/mo
Today · 4.125%
HK$35,503
baseline
▲ 0.50% · 4.625%
HK$37,663
+HK$2,160/mo
Deposit HK$3.14M · loan HK$7.33M · min. income ≈ HK$71,006/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$392,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,166
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$38,163
−HK$1,011/mo
Today · 4.125%
HK$39,174
baseline
▲ 0.50% · 4.625%
HK$41,239
+HK$2,065/mo
Deposit HK$3.14M · loan HK$7.33M · min. income ≈ HK$78,348/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$392,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,953
−HK$2,693/mo
▼ 0.25% · 3.875%
HK$44,289
−HK$1,357/mo
Today · 4.125%
HK$45,646
baseline
▲ 0.50% · 4.625%
HK$48,424
+HK$2,778/mo
Deposit HK$1.05M · loan HK$9.42M · min. income ≈ HK$91,292/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,785
−HK$2,581/mo
▼ 0.25% · 3.875%
HK$49,066
−HK$1,300/mo
Today · 4.125%
HK$50,366
baseline
▲ 0.50% · 4.625%
HK$53,021
+HK$2,655/mo
Deposit HK$1.05M · loan HK$9.42M · min. income ≈ HK$100,732/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,436 · Scale 2, in force from 26 Feb 2026)