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$23,874
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$24,616
−HK$755/mo
Today · 4.125%
HK$25,371
baseline
▲ 0.50% · 4.625%
HK$26,914
+HK$1,543/mo
Deposit HK$5.23M · loan HK$5.23M · min. income ≈ HK$50,742/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$392,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,559
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$27,271
−HK$723/mo
Today · 4.125%
HK$27,994
baseline
▲ 0.50% · 4.625%
HK$29,470
+HK$1,476/mo
Deposit HK$5.23M · loan HK$5.23M · min. income ≈ HK$55,988/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$392,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,648
−HK$1,797/mo
▼ 0.25% · 3.875%
HK$29,539
−HK$906/mo
Today · 4.125%
HK$30,445
baseline
▲ 0.50% · 4.625%
HK$32,297
+HK$1,852/mo
Deposit HK$4.19M · loan HK$6.28M · min. income ≈ HK$60,890/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$392,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,871
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$32,726
−HK$867/mo
Today · 4.125%
HK$33,593
baseline
▲ 0.50% · 4.625%
HK$35,364
+HK$1,771/mo
Deposit HK$4.19M · loan HK$6.28M · min. income ≈ HK$67,186/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$392,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,423
−HK$2,096/mo
▼ 0.25% · 3.875%
HK$34,463
−HK$1,056/mo
Today · 4.125%
HK$35,519
baseline
▲ 0.50% · 4.625%
HK$37,680
+HK$2,161/mo
Deposit HK$3.14M · loan HK$7.33M · min. income ≈ HK$71,038/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$392,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,183
−HK$2,009/mo
▼ 0.25% · 3.875%
HK$38,180
−HK$1,012/mo
Today · 4.125%
HK$39,192
baseline
▲ 0.50% · 4.625%
HK$41,257
+HK$2,065/mo
Deposit HK$3.14M · loan HK$7.33M · min. income ≈ HK$78,384/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$392,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,972
−HK$2,695/mo
▼ 0.25% · 3.875%
HK$44,309
−HK$1,358/mo
Today · 4.125%
HK$45,667
baseline
▲ 0.50% · 4.625%
HK$48,446
+HK$2,779/mo
Deposit HK$1.05M · loan HK$9.42M · min. income ≈ HK$91,334/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,806
−HK$2,583/mo
▼ 0.25% · 3.875%
HK$49,089
−HK$1,300/mo
Today · 4.125%
HK$50,389
baseline
▲ 0.50% · 4.625%
HK$53,045
+HK$2,656/mo
Deposit HK$1.05M · loan HK$9.42M · min. income ≈ HK$100,778/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,614 · Scale 2, in force from 26 Feb 2026)