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$23,853
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$24,595
−HK$753/mo
Today · 4.125%
HK$25,348
baseline
▲ 0.50% · 4.625%
HK$26,891
+HK$1,543/mo
Deposit HK$5.23M · loan HK$5.23M · min. income ≈ HK$50,696/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$392,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,536
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$27,248
−HK$721/mo
Today · 4.125%
HK$27,969
baseline
▲ 0.50% · 4.625%
HK$29,444
+HK$1,475/mo
Deposit HK$5.23M · loan HK$5.23M · min. income ≈ HK$55,938/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$392,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,623
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$29,514
−HK$904/mo
Today · 4.125%
HK$30,418
baseline
▲ 0.50% · 4.625%
HK$32,269
+HK$1,851/mo
Deposit HK$4.18M · loan HK$6.28M · min. income ≈ HK$60,836/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$392,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,843
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$32,697
−HK$866/mo
Today · 4.125%
HK$33,563
baseline
▲ 0.50% · 4.625%
HK$35,333
+HK$1,770/mo
Deposit HK$4.18M · loan HK$6.28M · min. income ≈ HK$67,126/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$392,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,394
−HK$2,094/mo
▼ 0.25% · 3.875%
HK$34,432
−HK$1,056/mo
Today · 4.125%
HK$35,488
baseline
▲ 0.50% · 4.625%
HK$37,647
+HK$2,159/mo
Deposit HK$3.14M · loan HK$7.32M · min. income ≈ HK$70,976/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$392,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,150
−HK$2,007/mo
▼ 0.25% · 3.875%
HK$38,147
−HK$1,010/mo
Today · 4.125%
HK$39,157
baseline
▲ 0.50% · 4.625%
HK$41,221
+HK$2,064/mo
Deposit HK$3.14M · loan HK$7.32M · min. income ≈ HK$78,314/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$392,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,935
−HK$2,692/mo
▼ 0.25% · 3.875%
HK$44,270
−HK$1,357/mo
Today · 4.125%
HK$45,627
baseline
▲ 0.50% · 4.625%
HK$48,403
+HK$2,776/mo
Deposit HK$1.05M · loan HK$9.41M · min. income ≈ HK$91,254/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,764
−HK$2,581/mo
▼ 0.25% · 3.875%
HK$49,046
−HK$1,299/mo
Today · 4.125%
HK$50,345
baseline
▲ 0.50% · 4.625%
HK$52,999
+HK$2,654/mo
Deposit HK$1.05M · loan HK$9.41M · min. income ≈ HK$100,690/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,270 · Scale 2, in force from 26 Feb 2026)