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$23,851
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$24,593
−HK$754/mo
Today · 4.125%
HK$25,347
baseline
▲ 0.50% · 4.625%
HK$26,889
+HK$1,542/mo
Deposit HK$5.23M · loan HK$5.23M · min. income ≈ HK$50,694/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$392,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,534
−HK$1,434/mo
▼ 0.25% · 3.875%
HK$27,246
−HK$722/mo
Today · 4.125%
HK$27,968
baseline
▲ 0.50% · 4.625%
HK$29,442
+HK$1,474/mo
Deposit HK$5.23M · loan HK$5.23M · min. income ≈ HK$55,936/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$392,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,622
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$29,512
−HK$905/mo
Today · 4.125%
HK$30,417
baseline
▲ 0.50% · 4.625%
HK$32,267
+HK$1,850/mo
Deposit HK$4.18M · loan HK$6.28M · min. income ≈ HK$60,834/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$392,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,841
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$32,695
−HK$867/mo
Today · 4.125%
HK$33,562
baseline
▲ 0.50% · 4.625%
HK$35,331
+HK$1,769/mo
Deposit HK$4.18M · loan HK$6.28M · min. income ≈ HK$67,124/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$392,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,392
−HK$2,094/mo
▼ 0.25% · 3.875%
HK$34,431
−HK$1,055/mo
Today · 4.125%
HK$35,486
baseline
▲ 0.50% · 4.625%
HK$37,645
+HK$2,159/mo
Deposit HK$3.14M · loan HK$7.32M · min. income ≈ HK$70,972/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$392,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,148
−HK$2,007/mo
▼ 0.25% · 3.875%
HK$38,145
−HK$1,010/mo
Today · 4.125%
HK$39,155
baseline
▲ 0.50% · 4.625%
HK$41,219
+HK$2,064/mo
Deposit HK$3.14M · loan HK$7.32M · min. income ≈ HK$78,310/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$392,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,933
−HK$2,692/mo
▼ 0.25% · 3.875%
HK$44,268
−HK$1,357/mo
Today · 4.125%
HK$45,625
baseline
▲ 0.50% · 4.625%
HK$48,401
+HK$2,776/mo
Deposit HK$1.05M · loan HK$9.41M · min. income ≈ HK$91,250/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,762
−HK$2,581/mo
▼ 0.25% · 3.875%
HK$49,043
−HK$1,300/mo
Today · 4.125%
HK$50,343
baseline
▲ 0.50% · 4.625%
HK$52,996
+HK$2,653/mo
Deposit HK$1.05M · loan HK$9.41M · min. income ≈ HK$100,686/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,250 · Scale 2, in force from 26 Feb 2026)