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$23,873
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$24,616
−HK$754/mo
Today · 4.125%
HK$25,370
baseline
▲ 0.50% · 4.625%
HK$26,914
+HK$1,544/mo
Deposit HK$5.23M · loan HK$5.23M · min. income ≈ HK$50,740/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$392,610 · 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$29,469
+HK$1,475/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$392,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,648
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$29,539
−HK$905/mo
Today · 4.125%
HK$30,444
baseline
▲ 0.50% · 4.625%
HK$32,297
+HK$1,853/mo
Deposit HK$4.19M · loan HK$6.28M · min. income ≈ HK$60,888/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$392,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,871
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$32,725
−HK$867/mo
Today · 4.125%
HK$33,592
baseline
▲ 0.50% · 4.625%
HK$35,363
+HK$1,771/mo
Deposit HK$4.19M · loan HK$6.28M · min. income ≈ HK$67,184/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$392,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,423
−HK$2,096/mo
▼ 0.25% · 3.875%
HK$34,462
−HK$1,057/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$392,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,182
−HK$2,009/mo
▼ 0.25% · 3.875%
HK$38,180
−HK$1,011/mo
Today · 4.125%
HK$39,191
baseline
▲ 0.50% · 4.625%
HK$41,257
+HK$2,066/mo
Deposit HK$3.14M · loan HK$7.33M · min. income ≈ HK$78,382/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$392,610 · 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$48,445
+HK$2,778/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$392,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,806
−HK$2,583/mo
▼ 0.25% · 3.875%
HK$49,088
−HK$1,301/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$392,610 · Scale 2, in force from 26 Feb 2026)