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$23,851
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$24,593
−HK$753/mo
Today · 4.125%
HK$25,346
baseline
▲ 0.50% · 4.625%
HK$26,889
+HK$1,543/mo
Deposit HK$5.23M · loan HK$5.23M · min. income ≈ HK$50,692/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$392,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,534
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$27,245
−HK$722/mo
Today · 4.125%
HK$27,967
baseline
▲ 0.50% · 4.625%
HK$29,441
+HK$1,474/mo
Deposit HK$5.23M · loan HK$5.23M · min. income ≈ HK$55,934/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$392,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,621
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$29,511
−HK$905/mo
Today · 4.125%
HK$30,416
baseline
▲ 0.50% · 4.625%
HK$32,266
+HK$1,850/mo
Deposit HK$4.18M · loan HK$6.28M · min. income ≈ HK$60,832/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$392,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,841
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$32,694
−HK$867/mo
Today · 4.125%
HK$33,561
baseline
▲ 0.50% · 4.625%
HK$35,330
+HK$1,769/mo
Deposit HK$4.18M · loan HK$6.28M · min. income ≈ HK$67,122/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$392,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,391
−HK$2,094/mo
▼ 0.25% · 3.875%
HK$34,430
−HK$1,055/mo
Today · 4.125%
HK$35,485
baseline
▲ 0.50% · 4.625%
HK$37,644
+HK$2,159/mo
Deposit HK$3.14M · loan HK$7.32M · min. income ≈ HK$70,970/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$392,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,147
−HK$2,007/mo
▼ 0.25% · 3.875%
HK$38,144
−HK$1,010/mo
Today · 4.125%
HK$39,154
baseline
▲ 0.50% · 4.625%
HK$41,218
+HK$2,064/mo
Deposit HK$3.14M · loan HK$7.32M · min. income ≈ HK$78,308/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$392,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,931
−HK$2,693/mo
▼ 0.25% · 3.875%
HK$44,267
−HK$1,357/mo
Today · 4.125%
HK$45,624
baseline
▲ 0.50% · 4.625%
HK$48,400
+HK$2,776/mo
Deposit HK$1.05M · loan HK$9.41M · min. income ≈ HK$91,248/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,761
−HK$2,580/mo
▼ 0.25% · 3.875%
HK$49,042
−HK$1,299/mo
Today · 4.125%
HK$50,341
baseline
▲ 0.50% · 4.625%
HK$52,995
+HK$2,654/mo
Deposit HK$1.05M · loan HK$9.41M · min. income ≈ HK$100,682/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,239 · Scale 2, in force from 26 Feb 2026)