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$23,836
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$24,578
−HK$753/mo
Today · 4.125%
HK$25,331
baseline
▲ 0.50% · 4.625%
HK$26,872
+HK$1,541/mo
Deposit HK$5.23M · loan HK$5.23M · min. income ≈ HK$50,662/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$391,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,517
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$27,229
−HK$721/mo
Today · 4.125%
HK$27,950
baseline
▲ 0.50% · 4.625%
HK$29,423
+HK$1,473/mo
Deposit HK$5.23M · loan HK$5.23M · min. income ≈ HK$55,900/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$391,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,603
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$29,493
−HK$904/mo
Today · 4.125%
HK$30,397
baseline
▲ 0.50% · 4.625%
HK$32,247
+HK$1,850/mo
Deposit HK$4.18M · loan HK$6.27M · min. income ≈ HK$60,794/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$391,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,821
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$32,674
−HK$866/mo
Today · 4.125%
HK$33,540
baseline
▲ 0.50% · 4.625%
HK$35,308
+HK$1,768/mo
Deposit HK$4.18M · loan HK$6.27M · min. income ≈ HK$67,080/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$391,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,371
−HK$2,092/mo
▼ 0.25% · 3.875%
HK$34,409
−HK$1,054/mo
Today · 4.125%
HK$35,463
baseline
▲ 0.50% · 4.625%
HK$37,621
+HK$2,158/mo
Deposit HK$3.14M · loan HK$7.32M · min. income ≈ HK$70,926/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$391,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,124
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$38,120
−HK$1,010/mo
Today · 4.125%
HK$39,130
baseline
▲ 0.50% · 4.625%
HK$41,193
+HK$2,063/mo
Deposit HK$3.14M · loan HK$7.32M · min. income ≈ HK$78,260/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$391,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,905
−HK$2,691/mo
▼ 0.25% · 3.875%
HK$44,240
−HK$1,356/mo
Today · 4.125%
HK$45,596
baseline
▲ 0.50% · 4.625%
HK$48,370
+HK$2,774/mo
Deposit HK$1.05M · loan HK$9.41M · min. income ≈ HK$91,192/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$391,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,731
−HK$2,579/mo
▼ 0.25% · 3.875%
HK$49,011
−HK$1,299/mo
Today · 4.125%
HK$50,310
baseline
▲ 0.50% · 4.625%
HK$52,962
+HK$2,652/mo
Deposit HK$1.05M · loan HK$9.41M · min. income ≈ HK$100,620/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$391,998 · Scale 2, in force from 26 Feb 2026)