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$23,861
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$24,603
−HK$754/mo
Today · 4.125%
HK$25,357
baseline
▲ 0.50% · 4.625%
HK$26,900
+HK$1,543/mo
Deposit HK$5.23M · loan HK$5.23M · min. income ≈ HK$50,714/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$392,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,545
−HK$1,434/mo
▼ 0.25% · 3.875%
HK$27,257
−HK$722/mo
Today · 4.125%
HK$27,979
baseline
▲ 0.50% · 4.625%
HK$29,454
+HK$1,475/mo
Deposit HK$5.23M · loan HK$5.23M · min. income ≈ HK$55,958/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$392,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,633
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$29,524
−HK$905/mo
Today · 4.125%
HK$30,429
baseline
▲ 0.50% · 4.625%
HK$32,280
+HK$1,851/mo
Deposit HK$4.19M · loan HK$6.28M · min. income ≈ HK$60,858/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$392,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,854
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$32,708
−HK$867/mo
Today · 4.125%
HK$33,575
baseline
▲ 0.50% · 4.625%
HK$35,345
+HK$1,770/mo
Deposit HK$4.19M · loan HK$6.28M · min. income ≈ HK$67,150/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$392,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,405
−HK$2,095/mo
▼ 0.25% · 3.875%
HK$34,444
−HK$1,056/mo
Today · 4.125%
HK$35,500
baseline
▲ 0.50% · 4.625%
HK$37,660
+HK$2,160/mo
Deposit HK$3.14M · loan HK$7.32M · min. income ≈ HK$71,000/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$392,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,163
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$38,160
−HK$1,011/mo
Today · 4.125%
HK$39,171
baseline
▲ 0.50% · 4.625%
HK$41,235
+HK$2,064/mo
Deposit HK$3.14M · loan HK$7.32M · min. income ≈ HK$78,342/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$392,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,950
−HK$2,693/mo
▼ 0.25% · 3.875%
HK$44,285
−HK$1,358/mo
Today · 4.125%
HK$45,643
baseline
▲ 0.50% · 4.625%
HK$48,420
+HK$2,777/mo
Deposit HK$1.05M · loan HK$9.42M · min. income ≈ HK$91,286/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,781
−HK$2,581/mo
▼ 0.25% · 3.875%
HK$49,062
−HK$1,300/mo
Today · 4.125%
HK$50,362
baseline
▲ 0.50% · 4.625%
HK$53,017
+HK$2,655/mo
Deposit HK$1.05M · loan HK$9.42M · min. income ≈ HK$100,724/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,404 · Scale 2, in force from 26 Feb 2026)