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$23,827
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$24,569
−HK$753/mo
Today · 4.125%
HK$25,322
baseline
▲ 0.50% · 4.625%
HK$26,862
+HK$1,540/mo
Deposit HK$5.22M · loan HK$5.22M · min. income ≈ HK$50,644/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$391,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,508
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$27,219
−HK$721/mo
Today · 4.125%
HK$27,940
baseline
▲ 0.50% · 4.625%
HK$29,413
+HK$1,473/mo
Deposit HK$5.22M · loan HK$5.22M · min. income ≈ HK$55,880/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$391,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,593
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$29,482
−HK$904/mo
Today · 4.125%
HK$30,386
baseline
▲ 0.50% · 4.625%
HK$32,235
+HK$1,849/mo
Deposit HK$4.18M · loan HK$6.27M · min. income ≈ HK$60,772/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$391,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,809
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$32,662
−HK$866/mo
Today · 4.125%
HK$33,528
baseline
▲ 0.50% · 4.625%
HK$35,295
+HK$1,767/mo
Deposit HK$4.18M · loan HK$6.27M · min. income ≈ HK$67,056/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$391,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,358
−HK$2,092/mo
▼ 0.25% · 3.875%
HK$34,396
−HK$1,054/mo
Today · 4.125%
HK$35,450
baseline
▲ 0.50% · 4.625%
HK$37,607
+HK$2,157/mo
Deposit HK$3.13M · loan HK$7.31M · min. income ≈ HK$70,900/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$391,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,111
−HK$2,005/mo
▼ 0.25% · 3.875%
HK$38,106
−HK$1,010/mo
Today · 4.125%
HK$39,116
baseline
▲ 0.50% · 4.625%
HK$41,178
+HK$2,062/mo
Deposit HK$3.13M · loan HK$7.31M · min. income ≈ HK$78,232/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$391,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,889
−HK$2,690/mo
▼ 0.25% · 3.875%
HK$44,223
−HK$1,356/mo
Today · 4.125%
HK$45,579
baseline
▲ 0.50% · 4.625%
HK$48,352
+HK$2,773/mo
Deposit HK$1.04M · loan HK$9.40M · min. income ≈ HK$91,158/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$391,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,714
−HK$2,578/mo
▼ 0.25% · 3.875%
HK$48,994
−HK$1,298/mo
Today · 4.125%
HK$50,292
baseline
▲ 0.50% · 4.625%
HK$52,943
+HK$2,651/mo
Deposit HK$1.04M · loan HK$9.40M · min. income ≈ HK$100,584/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$391,855 · Scale 2, in force from 26 Feb 2026)