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$23,824
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$24,565
−HK$753/mo
Today · 4.125%
HK$25,318
baseline
▲ 0.50% · 4.625%
HK$26,859
+HK$1,541/mo
Deposit HK$5.22M · loan HK$5.22M · min. income ≈ HK$50,636/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$391,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,504
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$27,215
−HK$721/mo
Today · 4.125%
HK$27,936
baseline
▲ 0.50% · 4.625%
HK$29,409
+HK$1,473/mo
Deposit HK$5.22M · loan HK$5.22M · min. income ≈ HK$55,872/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$391,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,589
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$29,478
−HK$904/mo
Today · 4.125%
HK$30,382
baseline
▲ 0.50% · 4.625%
HK$32,231
+HK$1,849/mo
Deposit HK$4.18M · loan HK$6.27M · min. income ≈ HK$60,764/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$391,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,805
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$32,658
−HK$866/mo
Today · 4.125%
HK$33,524
baseline
▲ 0.50% · 4.625%
HK$35,291
+HK$1,767/mo
Deposit HK$4.18M · loan HK$6.27M · min. income ≈ HK$67,048/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$391,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,354
−HK$2,092/mo
▼ 0.25% · 3.875%
HK$34,392
−HK$1,054/mo
Today · 4.125%
HK$35,446
baseline
▲ 0.50% · 4.625%
HK$37,602
+HK$2,156/mo
Deposit HK$3.13M · loan HK$7.31M · min. income ≈ HK$70,892/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$391,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,106
−HK$2,005/mo
▼ 0.25% · 3.875%
HK$38,101
−HK$1,010/mo
Today · 4.125%
HK$39,111
baseline
▲ 0.50% · 4.625%
HK$41,172
+HK$2,061/mo
Deposit HK$3.13M · loan HK$7.31M · min. income ≈ HK$78,222/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$391,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,884
−HK$2,689/mo
▼ 0.25% · 3.875%
HK$44,218
−HK$1,355/mo
Today · 4.125%
HK$45,573
baseline
▲ 0.50% · 4.625%
HK$48,346
+HK$2,773/mo
Deposit HK$1.04M · loan HK$9.40M · min. income ≈ HK$91,146/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$391,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,708
−HK$2,577/mo
▼ 0.25% · 3.875%
HK$48,987
−HK$1,298/mo
Today · 4.125%
HK$50,285
baseline
▲ 0.50% · 4.625%
HK$52,936
+HK$2,651/mo
Deposit HK$1.04M · loan HK$9.40M · min. income ≈ HK$100,570/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$391,804 · Scale 2, in force from 26 Feb 2026)