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$23,852
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$24,594
−HK$754/mo
Today · 4.125%
HK$25,348
baseline
▲ 0.50% · 4.625%
HK$26,890
+HK$1,542/mo
Deposit HK$5.23M · loan HK$5.23M · min. income ≈ HK$50,696/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$392,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,535
−HK$1,434/mo
▼ 0.25% · 3.875%
HK$27,247
−HK$722/mo
Today · 4.125%
HK$27,969
baseline
▲ 0.50% · 4.625%
HK$29,443
+HK$1,474/mo
Deposit HK$5.23M · loan HK$5.23M · min. income ≈ HK$55,938/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$392,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,623
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$29,513
−HK$905/mo
Today · 4.125%
HK$30,418
baseline
▲ 0.50% · 4.625%
HK$32,268
+HK$1,850/mo
Deposit HK$4.18M · loan HK$6.28M · min. income ≈ HK$60,836/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$392,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,842
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$32,696
−HK$867/mo
Today · 4.125%
HK$33,563
baseline
▲ 0.50% · 4.625%
HK$35,332
+HK$1,769/mo
Deposit HK$4.18M · loan HK$6.28M · min. income ≈ HK$67,126/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$392,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,393
−HK$2,094/mo
▼ 0.25% · 3.875%
HK$34,432
−HK$1,055/mo
Today · 4.125%
HK$35,487
baseline
▲ 0.50% · 4.625%
HK$37,646
+HK$2,159/mo
Deposit HK$3.14M · loan HK$7.32M · min. income ≈ HK$70,974/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$392,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,149
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$38,146
−HK$1,011/mo
Today · 4.125%
HK$39,157
baseline
▲ 0.50% · 4.625%
HK$41,220
+HK$2,063/mo
Deposit HK$3.14M · loan HK$7.32M · min. income ≈ HK$78,314/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$392,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,934
−HK$2,692/mo
▼ 0.25% · 3.875%
HK$44,269
−HK$1,357/mo
Today · 4.125%
HK$45,626
baseline
▲ 0.50% · 4.625%
HK$48,403
+HK$2,777/mo
Deposit HK$1.05M · loan HK$9.41M · min. income ≈ HK$91,252/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,764
−HK$2,580/mo
▼ 0.25% · 3.875%
HK$49,045
−HK$1,299/mo
Today · 4.125%
HK$50,344
baseline
▲ 0.50% · 4.625%
HK$52,998
+HK$2,654/mo
Deposit HK$1.05M · loan HK$9.41M · min. income ≈ HK$100,688/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,262 · Scale 2, in force from 26 Feb 2026)