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$23,869
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$24,612
−HK$754/mo
Today · 4.125%
HK$25,366
baseline
▲ 0.50% · 4.625%
HK$26,909
+HK$1,543/mo
Deposit HK$5.23M · loan HK$5.23M · min. income ≈ HK$50,732/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$392,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,554
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$27,266
−HK$723/mo
Today · 4.125%
HK$27,989
baseline
▲ 0.50% · 4.625%
HK$29,464
+HK$1,475/mo
Deposit HK$5.23M · loan HK$5.23M · min. income ≈ HK$55,978/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$392,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,643
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$29,534
−HK$905/mo
Today · 4.125%
HK$30,439
baseline
▲ 0.50% · 4.625%
HK$32,291
+HK$1,852/mo
Deposit HK$4.19M · loan HK$6.28M · min. income ≈ HK$60,878/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$392,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,865
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$32,720
−HK$867/mo
Today · 4.125%
HK$33,587
baseline
▲ 0.50% · 4.625%
HK$35,357
+HK$1,770/mo
Deposit HK$4.19M · loan HK$6.28M · min. income ≈ HK$67,174/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$392,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,417
−HK$2,095/mo
▼ 0.25% · 3.875%
HK$34,456
−HK$1,056/mo
Today · 4.125%
HK$35,512
baseline
▲ 0.50% · 4.625%
HK$37,673
+HK$2,161/mo
Deposit HK$3.14M · loan HK$7.33M · min. income ≈ HK$71,024/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$392,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,176
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$38,173
−HK$1,011/mo
Today · 4.125%
HK$39,184
baseline
▲ 0.50% · 4.625%
HK$41,250
+HK$2,066/mo
Deposit HK$3.14M · loan HK$7.33M · min. income ≈ HK$78,368/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$392,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,964
−HK$2,695/mo
▼ 0.25% · 3.875%
HK$44,301
−HK$1,358/mo
Today · 4.125%
HK$45,659
baseline
▲ 0.50% · 4.625%
HK$48,437
+HK$2,778/mo
Deposit HK$1.05M · loan HK$9.42M · min. income ≈ HK$91,318/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,798
−HK$2,582/mo
▼ 0.25% · 3.875%
HK$49,079
−HK$1,301/mo
Today · 4.125%
HK$50,380
baseline
▲ 0.50% · 4.625%
HK$53,036
+HK$2,656/mo
Deposit HK$1.05M · loan HK$9.42M · min. income ≈ HK$100,760/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,541 · Scale 2, in force from 26 Feb 2026)