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$23,822
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$24,563
−HK$753/mo
Today · 4.125%
HK$25,316
baseline
▲ 0.50% · 4.625%
HK$26,856
+HK$1,540/mo
Deposit HK$5.22M · loan HK$5.22M · min. income ≈ HK$50,632/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$391,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,501
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$27,212
−HK$721/mo
Today · 4.125%
HK$27,933
baseline
▲ 0.50% · 4.625%
HK$29,406
+HK$1,473/mo
Deposit HK$5.22M · loan HK$5.22M · min. income ≈ HK$55,866/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$391,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,586
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$29,475
−HK$904/mo
Today · 4.125%
HK$30,379
baseline
▲ 0.50% · 4.625%
HK$32,227
+HK$1,848/mo
Deposit HK$4.18M · loan HK$6.27M · min. income ≈ HK$60,758/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$391,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,802
−HK$1,718/mo
▼ 0.25% · 3.875%
HK$32,655
−HK$865/mo
Today · 4.125%
HK$33,520
baseline
▲ 0.50% · 4.625%
HK$35,287
+HK$1,767/mo
Deposit HK$4.18M · loan HK$6.27M · min. income ≈ HK$67,040/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$391,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,350
−HK$2,092/mo
▼ 0.25% · 3.875%
HK$34,388
−HK$1,054/mo
Today · 4.125%
HK$35,442
baseline
▲ 0.50% · 4.625%
HK$37,598
+HK$2,156/mo
Deposit HK$3.13M · loan HK$7.31M · min. income ≈ HK$70,884/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$391,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,102
−HK$2,005/mo
▼ 0.25% · 3.875%
HK$38,097
−HK$1,010/mo
Today · 4.125%
HK$39,107
baseline
▲ 0.50% · 4.625%
HK$41,168
+HK$2,061/mo
Deposit HK$3.13M · loan HK$7.31M · min. income ≈ HK$78,214/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$391,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,879
−HK$2,689/mo
▼ 0.25% · 3.875%
HK$44,213
−HK$1,355/mo
Today · 4.125%
HK$45,568
baseline
▲ 0.50% · 4.625%
HK$48,341
+HK$2,773/mo
Deposit HK$1.04M · loan HK$9.40M · min. income ≈ HK$91,136/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$391,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,703
−HK$2,577/mo
▼ 0.25% · 3.875%
HK$48,982
−HK$1,298/mo
Today · 4.125%
HK$50,280
baseline
▲ 0.50% · 4.625%
HK$52,930
+HK$2,650/mo
Deposit HK$1.04M · loan HK$9.40M · min. income ≈ HK$100,560/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$391,762 · Scale 2, in force from 26 Feb 2026)