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$23,825
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$24,566
−HK$753/mo
Today · 4.125%
HK$25,319
baseline
▲ 0.50% · 4.625%
HK$26,860
+HK$1,541/mo
Deposit HK$5.22M · loan HK$5.22M · min. income ≈ HK$50,638/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$391,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,505
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$27,216
−HK$721/mo
Today · 4.125%
HK$27,937
baseline
▲ 0.50% · 4.625%
HK$29,410
+HK$1,473/mo
Deposit HK$5.22M · loan HK$5.22M · min. income ≈ HK$55,874/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$391,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,590
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$29,480
−HK$903/mo
Today · 4.125%
HK$30,383
baseline
▲ 0.50% · 4.625%
HK$32,232
+HK$1,849/mo
Deposit HK$4.18M · loan HK$6.27M · min. income ≈ HK$60,766/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$391,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,807
−HK$1,718/mo
▼ 0.25% · 3.875%
HK$32,660
−HK$865/mo
Today · 4.125%
HK$33,525
baseline
▲ 0.50% · 4.625%
HK$35,292
+HK$1,767/mo
Deposit HK$4.18M · loan HK$6.27M · min. income ≈ HK$67,050/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$391,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,355
−HK$2,092/mo
▼ 0.25% · 3.875%
HK$34,393
−HK$1,054/mo
Today · 4.125%
HK$35,447
baseline
▲ 0.50% · 4.625%
HK$37,604
+HK$2,157/mo
Deposit HK$3.13M · loan HK$7.31M · min. income ≈ HK$70,894/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$391,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,108
−HK$2,004/mo
▼ 0.25% · 3.875%
HK$38,103
−HK$1,009/mo
Today · 4.125%
HK$39,112
baseline
▲ 0.50% · 4.625%
HK$41,174
+HK$2,062/mo
Deposit HK$3.13M · loan HK$7.31M · min. income ≈ HK$78,224/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$391,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,886
−HK$2,689/mo
▼ 0.25% · 3.875%
HK$44,220
−HK$1,355/mo
Today · 4.125%
HK$45,575
baseline
▲ 0.50% · 4.625%
HK$48,348
+HK$2,773/mo
Deposit HK$1.04M · loan HK$9.40M · min. income ≈ HK$91,150/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$391,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,710
−HK$2,577/mo
▼ 0.25% · 3.875%
HK$48,989
−HK$1,298/mo
Today · 4.125%
HK$50,287
baseline
▲ 0.50% · 4.625%
HK$52,938
+HK$2,651/mo
Deposit HK$1.04M · loan HK$9.40M · min. income ≈ HK$100,574/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$391,820 · Scale 2, in force from 26 Feb 2026)