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$23,837
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$24,579
−HK$753/mo
Today · 4.125%
HK$25,332
baseline
▲ 0.50% · 4.625%
HK$26,873
+HK$1,541/mo
Deposit HK$5.23M · loan HK$5.23M · min. income ≈ HK$50,664/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$392,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,519
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$27,230
−HK$721/mo
Today · 4.125%
HK$27,951
baseline
▲ 0.50% · 4.625%
HK$29,425
+HK$1,474/mo
Deposit HK$5.23M · loan HK$5.23M · min. income ≈ HK$55,902/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$392,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,605
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$29,494
−HK$904/mo
Today · 4.125%
HK$30,398
baseline
▲ 0.50% · 4.625%
HK$32,248
+HK$1,850/mo
Deposit HK$4.18M · loan HK$6.27M · min. income ≈ HK$60,796/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$392,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,822
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$32,676
−HK$866/mo
Today · 4.125%
HK$33,542
baseline
▲ 0.50% · 4.625%
HK$35,310
+HK$1,768/mo
Deposit HK$4.18M · loan HK$6.27M · min. income ≈ HK$67,084/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$392,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,372
−HK$2,093/mo
▼ 0.25% · 3.875%
HK$34,410
−HK$1,055/mo
Today · 4.125%
HK$35,465
baseline
▲ 0.50% · 4.625%
HK$37,623
+HK$2,158/mo
Deposit HK$3.14M · loan HK$7.32M · min. income ≈ HK$70,930/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$392,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,126
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$38,122
−HK$1,010/mo
Today · 4.125%
HK$39,132
baseline
▲ 0.50% · 4.625%
HK$41,195
+HK$2,063/mo
Deposit HK$3.14M · loan HK$7.32M · min. income ≈ HK$78,264/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$392,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,907
−HK$2,690/mo
▼ 0.25% · 3.875%
HK$44,241
−HK$1,356/mo
Today · 4.125%
HK$45,597
baseline
▲ 0.50% · 4.625%
HK$48,372
+HK$2,775/mo
Deposit HK$1.05M · loan HK$9.41M · min. income ≈ HK$91,194/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,733
−HK$2,579/mo
▼ 0.25% · 3.875%
HK$49,014
−HK$1,298/mo
Today · 4.125%
HK$50,312
baseline
▲ 0.50% · 4.625%
HK$52,964
+HK$2,652/mo
Deposit HK$1.05M · loan HK$9.41M · min. income ≈ HK$100,624/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,015 · Scale 2, in force from 26 Feb 2026)