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$1,496/mo
▼ 0.25% · 3.875%
HK$24,595
−HK$754/mo
Today · 4.125%
HK$25,349
baseline
▲ 0.50% · 4.625%
HK$26,892
+HK$1,543/mo
Deposit HK$5.23M · loan HK$5.23M · min. income ≈ HK$50,698/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$392,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,537
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$27,248
−HK$722/mo
Today · 4.125%
HK$27,970
baseline
▲ 0.50% · 4.625%
HK$29,445
+HK$1,475/mo
Deposit HK$5.23M · loan HK$5.23M · min. income ≈ HK$55,940/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$392,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,624
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$29,514
−HK$905/mo
Today · 4.125%
HK$30,419
baseline
▲ 0.50% · 4.625%
HK$32,270
+HK$1,851/mo
Deposit HK$4.18M · loan HK$6.28M · min. income ≈ HK$60,838/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$392,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,844
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$32,698
−HK$866/mo
Today · 4.125%
HK$33,564
baseline
▲ 0.50% · 4.625%
HK$35,333
+HK$1,769/mo
Deposit HK$4.18M · loan HK$6.28M · min. income ≈ HK$67,128/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$392,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,395
−HK$2,094/mo
▼ 0.25% · 3.875%
HK$34,433
−HK$1,056/mo
Today · 4.125%
HK$35,489
baseline
▲ 0.50% · 4.625%
HK$37,648
+HK$2,159/mo
Deposit HK$3.14M · loan HK$7.32M · min. income ≈ HK$70,978/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$392,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,151
−HK$2,007/mo
▼ 0.25% · 3.875%
HK$38,148
−HK$1,010/mo
Today · 4.125%
HK$39,158
baseline
▲ 0.50% · 4.625%
HK$41,222
+HK$2,064/mo
Deposit HK$3.14M · loan HK$7.32M · min. income ≈ HK$78,316/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$392,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,936
−HK$2,692/mo
▼ 0.25% · 3.875%
HK$44,271
−HK$1,357/mo
Today · 4.125%
HK$45,628
baseline
▲ 0.50% · 4.625%
HK$48,405
+HK$2,777/mo
Deposit HK$1.05M · loan HK$9.41M · min. income ≈ HK$91,256/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,766
−HK$2,580/mo
▼ 0.25% · 3.875%
HK$49,047
−HK$1,299/mo
Today · 4.125%
HK$50,346
baseline
▲ 0.50% · 4.625%
HK$53,000
+HK$2,654/mo
Deposit HK$1.05M · loan HK$9.41M · min. income ≈ HK$100,692/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,280 · Scale 2, in force from 26 Feb 2026)