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$23,829
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$24,571
−HK$753/mo
Today · 4.125%
HK$25,324
baseline
▲ 0.50% · 4.625%
HK$26,865
+HK$1,541/mo
Deposit HK$5.23M · loan HK$5.23M · min. income ≈ HK$50,648/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$391,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,510
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$27,221
−HK$721/mo
Today · 4.125%
HK$27,942
baseline
▲ 0.50% · 4.625%
HK$29,415
+HK$1,473/mo
Deposit HK$5.23M · loan HK$5.23M · min. income ≈ HK$55,884/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$391,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,595
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$29,485
−HK$903/mo
Today · 4.125%
HK$30,388
baseline
▲ 0.50% · 4.625%
HK$32,238
+HK$1,850/mo
Deposit HK$4.18M · loan HK$6.27M · min. income ≈ HK$60,776/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$391,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,812
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$32,665
−HK$866/mo
Today · 4.125%
HK$33,531
baseline
▲ 0.50% · 4.625%
HK$35,298
+HK$1,767/mo
Deposit HK$4.18M · loan HK$6.27M · min. income ≈ HK$67,062/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$391,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,361
−HK$2,092/mo
▼ 0.25% · 3.875%
HK$34,399
−HK$1,054/mo
Today · 4.125%
HK$35,453
baseline
▲ 0.50% · 4.625%
HK$37,610
+HK$2,157/mo
Deposit HK$3.14M · loan HK$7.32M · min. income ≈ HK$70,906/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$391,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,114
−HK$2,005/mo
▼ 0.25% · 3.875%
HK$38,109
−HK$1,010/mo
Today · 4.125%
HK$39,119
baseline
▲ 0.50% · 4.625%
HK$41,181
+HK$2,062/mo
Deposit HK$3.14M · loan HK$7.32M · min. income ≈ HK$78,238/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$391,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,893
−HK$2,690/mo
▼ 0.25% · 3.875%
HK$44,227
−HK$1,356/mo
Today · 4.125%
HK$45,583
baseline
▲ 0.50% · 4.625%
HK$48,356
+HK$2,773/mo
Deposit HK$1.05M · loan HK$9.41M · min. income ≈ HK$91,166/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$391,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,718
−HK$2,578/mo
▼ 0.25% · 3.875%
HK$48,998
−HK$1,298/mo
Today · 4.125%
HK$50,296
baseline
▲ 0.50% · 4.625%
HK$52,947
+HK$2,651/mo
Deposit HK$1.05M · loan HK$9.41M · min. income ≈ HK$100,592/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$391,888 · Scale 2, in force from 26 Feb 2026)