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$23,833
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$24,575
−HK$753/mo
Today · 4.125%
HK$25,328
baseline
▲ 0.50% · 4.625%
HK$26,869
+HK$1,541/mo
Deposit HK$5.23M · loan HK$5.23M · min. income ≈ HK$50,656/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$391,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,514
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$27,225
−HK$722/mo
Today · 4.125%
HK$27,947
baseline
▲ 0.50% · 4.625%
HK$29,420
+HK$1,473/mo
Deposit HK$5.23M · loan HK$5.23M · min. income ≈ HK$55,894/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$391,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,600
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$29,490
−HK$903/mo
Today · 4.125%
HK$30,393
baseline
▲ 0.50% · 4.625%
HK$32,243
+HK$1,850/mo
Deposit HK$4.18M · loan HK$6.27M · min. income ≈ HK$60,786/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$391,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,817
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$32,671
−HK$865/mo
Today · 4.125%
HK$33,536
baseline
▲ 0.50% · 4.625%
HK$35,304
+HK$1,768/mo
Deposit HK$4.18M · loan HK$6.27M · min. income ≈ HK$67,072/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$391,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,367
−HK$2,092/mo
▼ 0.25% · 3.875%
HK$34,405
−HK$1,054/mo
Today · 4.125%
HK$35,459
baseline
▲ 0.50% · 4.625%
HK$37,617
+HK$2,158/mo
Deposit HK$3.14M · loan HK$7.32M · min. income ≈ HK$70,918/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$391,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,120
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$38,116
−HK$1,010/mo
Today · 4.125%
HK$39,126
baseline
▲ 0.50% · 4.625%
HK$41,188
+HK$2,062/mo
Deposit HK$3.14M · loan HK$7.32M · min. income ≈ HK$78,252/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$391,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,900
−HK$2,690/mo
▼ 0.25% · 3.875%
HK$44,234
−HK$1,356/mo
Today · 4.125%
HK$45,590
baseline
▲ 0.50% · 4.625%
HK$48,364
+HK$2,774/mo
Deposit HK$1.05M · loan HK$9.41M · min. income ≈ HK$91,180/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$391,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,726
−HK$2,578/mo
▼ 0.25% · 3.875%
HK$49,006
−HK$1,298/mo
Today · 4.125%
HK$50,304
baseline
▲ 0.50% · 4.625%
HK$52,956
+HK$2,652/mo
Deposit HK$1.05M · loan HK$9.41M · min. income ≈ HK$100,608/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$391,952 · Scale 2, in force from 26 Feb 2026)