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$23,867
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$24,609
−HK$755/mo
Today · 4.125%
HK$25,364
baseline
▲ 0.50% · 4.625%
HK$26,907
+HK$1,543/mo
Deposit HK$5.23M · loan HK$5.23M · min. income ≈ HK$50,728/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$392,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,552
−HK$1,434/mo
▼ 0.25% · 3.875%
HK$27,264
−HK$722/mo
Today · 4.125%
HK$27,986
baseline
▲ 0.50% · 4.625%
HK$29,461
+HK$1,475/mo
Deposit HK$5.23M · loan HK$5.23M · min. income ≈ HK$55,972/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$392,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,640
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$29,531
−HK$905/mo
Today · 4.125%
HK$30,436
baseline
▲ 0.50% · 4.625%
HK$32,288
+HK$1,852/mo
Deposit HK$4.19M · loan HK$6.28M · min. income ≈ HK$60,872/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$392,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,862
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$32,717
−HK$867/mo
Today · 4.125%
HK$33,584
baseline
▲ 0.50% · 4.625%
HK$35,354
+HK$1,770/mo
Deposit HK$4.19M · loan HK$6.28M · min. income ≈ HK$67,168/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$392,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,414
−HK$2,095/mo
▼ 0.25% · 3.875%
HK$34,453
−HK$1,056/mo
Today · 4.125%
HK$35,509
baseline
▲ 0.50% · 4.625%
HK$37,670
+HK$2,161/mo
Deposit HK$3.14M · loan HK$7.33M · min. income ≈ HK$71,018/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$392,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,172
−HK$2,009/mo
▼ 0.25% · 3.875%
HK$38,169
−HK$1,012/mo
Today · 4.125%
HK$39,181
baseline
▲ 0.50% · 4.625%
HK$41,246
+HK$2,065/mo
Deposit HK$3.14M · loan HK$7.33M · min. income ≈ HK$78,362/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$392,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,961
−HK$2,694/mo
▼ 0.25% · 3.875%
HK$44,297
−HK$1,358/mo
Today · 4.125%
HK$45,655
baseline
▲ 0.50% · 4.625%
HK$48,432
+HK$2,777/mo
Deposit HK$1.05M · loan HK$9.42M · min. income ≈ HK$91,310/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,793
−HK$2,582/mo
▼ 0.25% · 3.875%
HK$49,075
−HK$1,300/mo
Today · 4.125%
HK$50,375
baseline
▲ 0.50% · 4.625%
HK$53,031
+HK$2,656/mo
Deposit HK$1.05M · loan HK$9.42M · min. income ≈ HK$100,750/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,505 · Scale 2, in force from 26 Feb 2026)