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$23,850
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$24,592
−HK$754/mo
Today · 4.125%
HK$25,346
baseline
▲ 0.50% · 4.625%
HK$26,888
+HK$1,542/mo
Deposit HK$5.23M · loan HK$5.23M · min. income ≈ HK$50,692/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$392,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,533
−HK$1,434/mo
▼ 0.25% · 3.875%
HK$27,245
−HK$722/mo
Today · 4.125%
HK$27,967
baseline
▲ 0.50% · 4.625%
HK$29,441
+HK$1,474/mo
Deposit HK$5.23M · loan HK$5.23M · min. income ≈ HK$55,934/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$392,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,620
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$29,510
−HK$905/mo
Today · 4.125%
HK$30,415
baseline
▲ 0.50% · 4.625%
HK$32,266
+HK$1,851/mo
Deposit HK$4.18M · loan HK$6.28M · min. income ≈ HK$60,830/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$392,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,840
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$32,694
−HK$866/mo
Today · 4.125%
HK$33,560
baseline
▲ 0.50% · 4.625%
HK$35,329
+HK$1,769/mo
Deposit HK$4.18M · loan HK$6.28M · min. income ≈ HK$67,120/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$392,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,390
−HK$2,094/mo
▼ 0.25% · 3.875%
HK$34,429
−HK$1,055/mo
Today · 4.125%
HK$35,484
baseline
▲ 0.50% · 4.625%
HK$37,643
+HK$2,159/mo
Deposit HK$3.14M · loan HK$7.32M · min. income ≈ HK$70,968/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$392,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,146
−HK$2,007/mo
▼ 0.25% · 3.875%
HK$38,143
−HK$1,010/mo
Today · 4.125%
HK$39,153
baseline
▲ 0.50% · 4.625%
HK$41,217
+HK$2,064/mo
Deposit HK$3.14M · loan HK$7.32M · min. income ≈ HK$78,306/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$392,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,930
−HK$2,692/mo
▼ 0.25% · 3.875%
HK$44,266
−HK$1,356/mo
Today · 4.125%
HK$45,622
baseline
▲ 0.50% · 4.625%
HK$48,398
+HK$2,776/mo
Deposit HK$1.05M · loan HK$9.41M · min. income ≈ HK$91,244/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,760
−HK$2,580/mo
▼ 0.25% · 3.875%
HK$49,040
−HK$1,300/mo
Today · 4.125%
HK$50,340
baseline
▲ 0.50% · 4.625%
HK$52,993
+HK$2,653/mo
Deposit HK$1.05M · loan HK$9.41M · min. income ≈ HK$100,680/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,229 · Scale 2, in force from 26 Feb 2026)