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$23,835
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$24,576
−HK$753/mo
Today · 4.125%
HK$25,329
baseline
▲ 0.50% · 4.625%
HK$26,870
+HK$1,541/mo
Deposit HK$5.23M · loan HK$5.23M · min. income ≈ HK$50,658/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$391,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,516
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$27,227
−HK$721/mo
Today · 4.125%
HK$27,948
baseline
▲ 0.50% · 4.625%
HK$29,422
+HK$1,474/mo
Deposit HK$5.23M · loan HK$5.23M · min. income ≈ HK$55,896/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$391,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,602
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$29,491
−HK$904/mo
Today · 4.125%
HK$30,395
baseline
▲ 0.50% · 4.625%
HK$32,245
+HK$1,850/mo
Deposit HK$4.18M · loan HK$6.27M · min. income ≈ HK$60,790/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$391,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,819
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$32,672
−HK$866/mo
Today · 4.125%
HK$33,538
baseline
▲ 0.50% · 4.625%
HK$35,306
+HK$1,768/mo
Deposit HK$4.18M · loan HK$6.27M · min. income ≈ HK$67,076/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$391,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,368
−HK$2,093/mo
▼ 0.25% · 3.875%
HK$34,406
−HK$1,055/mo
Today · 4.125%
HK$35,461
baseline
▲ 0.50% · 4.625%
HK$37,619
+HK$2,158/mo
Deposit HK$3.14M · loan HK$7.32M · min. income ≈ HK$70,922/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$391,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,122
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$38,118
−HK$1,010/mo
Today · 4.125%
HK$39,128
baseline
▲ 0.50% · 4.625%
HK$41,190
+HK$2,062/mo
Deposit HK$3.14M · loan HK$7.32M · min. income ≈ HK$78,256/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$391,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,902
−HK$2,691/mo
▼ 0.25% · 3.875%
HK$44,237
−HK$1,356/mo
Today · 4.125%
HK$45,593
baseline
▲ 0.50% · 4.625%
HK$48,367
+HK$2,774/mo
Deposit HK$1.05M · loan HK$9.41M · min. income ≈ HK$91,186/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$391,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,728
−HK$2,579/mo
▼ 0.25% · 3.875%
HK$49,008
−HK$1,299/mo
Today · 4.125%
HK$50,307
baseline
▲ 0.50% · 4.625%
HK$52,959
+HK$2,652/mo
Deposit HK$1.05M · loan HK$9.41M · min. income ≈ HK$100,614/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$391,973 · Scale 2, in force from 26 Feb 2026)