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$23,859
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$24,601
−HK$754/mo
Today · 4.125%
HK$25,355
baseline
▲ 0.50% · 4.625%
HK$26,898
+HK$1,543/mo
Deposit HK$5.23M · loan HK$5.23M · min. income ≈ HK$50,710/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$392,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,543
−HK$1,434/mo
▼ 0.25% · 3.875%
HK$27,254
−HK$723/mo
Today · 4.125%
HK$27,977
baseline
▲ 0.50% · 4.625%
HK$29,451
+HK$1,474/mo
Deposit HK$5.23M · loan HK$5.23M · min. income ≈ HK$55,954/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$392,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,631
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$29,521
−HK$905/mo
Today · 4.125%
HK$30,426
baseline
▲ 0.50% · 4.625%
HK$32,277
+HK$1,851/mo
Deposit HK$4.19M · loan HK$6.28M · min. income ≈ HK$60,852/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$392,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,851
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$32,705
−HK$867/mo
Today · 4.125%
HK$33,572
baseline
▲ 0.50% · 4.625%
HK$35,342
+HK$1,770/mo
Deposit HK$4.19M · loan HK$6.28M · min. income ≈ HK$67,144/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$392,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,402
−HK$2,095/mo
▼ 0.25% · 3.875%
HK$34,441
−HK$1,056/mo
Today · 4.125%
HK$35,497
baseline
▲ 0.50% · 4.625%
HK$37,657
+HK$2,160/mo
Deposit HK$3.14M · loan HK$7.32M · min. income ≈ HK$70,994/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$392,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,160
−HK$2,007/mo
▼ 0.25% · 3.875%
HK$38,156
−HK$1,011/mo
Today · 4.125%
HK$39,167
baseline
▲ 0.50% · 4.625%
HK$41,232
+HK$2,065/mo
Deposit HK$3.14M · loan HK$7.32M · min. income ≈ HK$78,334/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$392,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,946
−HK$2,693/mo
▼ 0.25% · 3.875%
HK$44,282
−HK$1,357/mo
Today · 4.125%
HK$45,639
baseline
▲ 0.50% · 4.625%
HK$48,416
+HK$2,777/mo
Deposit HK$1.05M · loan HK$9.42M · min. income ≈ HK$91,278/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,777
−HK$2,581/mo
▼ 0.25% · 3.875%
HK$49,058
−HK$1,300/mo
Today · 4.125%
HK$50,358
baseline
▲ 0.50% · 4.625%
HK$53,012
+HK$2,654/mo
Deposit HK$1.05M · loan HK$9.42M · min. income ≈ HK$100,716/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,370 · Scale 2, in force from 26 Feb 2026)