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$23,858
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$24,600
−HK$754/mo
Today · 4.125%
HK$25,354
baseline
▲ 0.50% · 4.625%
HK$26,897
+HK$1,543/mo
Deposit HK$5.23M · loan HK$5.23M · min. income ≈ HK$50,708/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$392,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,542
−HK$1,434/mo
▼ 0.25% · 3.875%
HK$27,254
−HK$722/mo
Today · 4.125%
HK$27,976
baseline
▲ 0.50% · 4.625%
HK$29,450
+HK$1,474/mo
Deposit HK$5.23M · loan HK$5.23M · min. income ≈ HK$55,952/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$392,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,630
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$29,520
−HK$905/mo
Today · 4.125%
HK$30,425
baseline
▲ 0.50% · 4.625%
HK$32,276
+HK$1,851/mo
Deposit HK$4.19M · loan HK$6.28M · min. income ≈ HK$60,850/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$392,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,850
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$32,704
−HK$867/mo
Today · 4.125%
HK$33,571
baseline
▲ 0.50% · 4.625%
HK$35,340
+HK$1,769/mo
Deposit HK$4.19M · loan HK$6.28M · min. income ≈ HK$67,142/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$392,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,401
−HK$2,095/mo
▼ 0.25% · 3.875%
HK$34,440
−HK$1,056/mo
Today · 4.125%
HK$35,496
baseline
▲ 0.50% · 4.625%
HK$37,655
+HK$2,159/mo
Deposit HK$3.14M · loan HK$7.32M · min. income ≈ HK$70,992/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$392,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,158
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$38,155
−HK$1,011/mo
Today · 4.125%
HK$39,166
baseline
▲ 0.50% · 4.625%
HK$41,230
+HK$2,064/mo
Deposit HK$3.14M · loan HK$7.32M · min. income ≈ HK$78,332/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$392,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,944
−HK$2,693/mo
▼ 0.25% · 3.875%
HK$44,280
−HK$1,357/mo
Today · 4.125%
HK$45,637
baseline
▲ 0.50% · 4.625%
HK$48,414
+HK$2,777/mo
Deposit HK$1.05M · loan HK$9.42M · min. income ≈ HK$91,274/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,775
−HK$2,581/mo
▼ 0.25% · 3.875%
HK$49,056
−HK$1,300/mo
Today · 4.125%
HK$50,356
baseline
▲ 0.50% · 4.625%
HK$53,011
+HK$2,655/mo
Deposit HK$1.05M · loan HK$9.42M · min. income ≈ HK$100,712/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,357 · Scale 2, in force from 26 Feb 2026)