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$23,842
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$24,584
−HK$753/mo
Today · 4.125%
HK$25,337
baseline
▲ 0.50% · 4.625%
HK$26,879
+HK$1,542/mo
Deposit HK$5.23M · loan HK$5.23M · min. income ≈ HK$50,674/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$392,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,524
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$27,235
−HK$722/mo
Today · 4.125%
HK$27,957
baseline
▲ 0.50% · 4.625%
HK$29,431
+HK$1,474/mo
Deposit HK$5.23M · loan HK$5.23M · min. income ≈ HK$55,914/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$392,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,610
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$29,500
−HK$905/mo
Today · 4.125%
HK$30,405
baseline
▲ 0.50% · 4.625%
HK$32,255
+HK$1,850/mo
Deposit HK$4.18M · loan HK$6.27M · min. income ≈ HK$60,810/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$392,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,829
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$32,682
−HK$866/mo
Today · 4.125%
HK$33,548
baseline
▲ 0.50% · 4.625%
HK$35,317
+HK$1,769/mo
Deposit HK$4.18M · loan HK$6.27M · min. income ≈ HK$67,096/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$392,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,379
−HK$2,093/mo
▼ 0.25% · 3.875%
HK$34,417
−HK$1,055/mo
Today · 4.125%
HK$35,472
baseline
▲ 0.50% · 4.625%
HK$37,630
+HK$2,158/mo
Deposit HK$3.14M · loan HK$7.32M · min. income ≈ HK$70,944/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$392,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,134
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$38,130
−HK$1,010/mo
Today · 4.125%
HK$39,140
baseline
▲ 0.50% · 4.625%
HK$41,203
+HK$2,063/mo
Deposit HK$3.14M · loan HK$7.32M · min. income ≈ HK$78,280/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$392,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,916
−HK$2,691/mo
▼ 0.25% · 3.875%
HK$44,251
−HK$1,356/mo
Today · 4.125%
HK$45,607
baseline
▲ 0.50% · 4.625%
HK$48,382
+HK$2,775/mo
Deposit HK$1.05M · loan HK$9.41M · min. income ≈ HK$91,214/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,743
−HK$2,580/mo
▼ 0.25% · 3.875%
HK$49,024
−HK$1,299/mo
Today · 4.125%
HK$50,323
baseline
▲ 0.50% · 4.625%
HK$52,975
+HK$2,652/mo
Deposit HK$1.05M · loan HK$9.41M · min. income ≈ HK$100,646/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,095 · Scale 2, in force from 26 Feb 2026)