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$23,871
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$24,614
−HK$754/mo
Today · 4.125%
HK$25,368
baseline
▲ 0.50% · 4.625%
HK$26,912
+HK$1,544/mo
Deposit HK$5.23M · loan HK$5.23M · min. income ≈ HK$50,736/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$392,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,557
−HK$1,434/mo
▼ 0.25% · 3.875%
HK$27,269
−HK$722/mo
Today · 4.125%
HK$27,991
baseline
▲ 0.50% · 4.625%
HK$29,467
+HK$1,476/mo
Deposit HK$5.23M · loan HK$5.23M · min. income ≈ HK$55,982/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$392,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,646
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$29,537
−HK$905/mo
Today · 4.125%
HK$30,442
baseline
▲ 0.50% · 4.625%
HK$32,294
+HK$1,852/mo
Deposit HK$4.19M · loan HK$6.28M · min. income ≈ HK$60,884/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$392,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,868
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$32,723
−HK$867/mo
Today · 4.125%
HK$33,590
baseline
▲ 0.50% · 4.625%
HK$35,360
+HK$1,770/mo
Deposit HK$4.19M · loan HK$6.28M · min. income ≈ HK$67,180/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$392,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,420
−HK$2,096/mo
▼ 0.25% · 3.875%
HK$34,460
−HK$1,056/mo
Today · 4.125%
HK$35,516
baseline
▲ 0.50% · 4.625%
HK$37,677
+HK$2,161/mo
Deposit HK$3.14M · loan HK$7.33M · min. income ≈ HK$71,032/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$392,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,179
−HK$2,009/mo
▼ 0.25% · 3.875%
HK$38,177
−HK$1,011/mo
Today · 4.125%
HK$39,188
baseline
▲ 0.50% · 4.625%
HK$41,254
+HK$2,066/mo
Deposit HK$3.14M · loan HK$7.33M · min. income ≈ HK$78,376/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$392,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,969
−HK$2,694/mo
▼ 0.25% · 3.875%
HK$44,305
−HK$1,358/mo
Today · 4.125%
HK$45,663
baseline
▲ 0.50% · 4.625%
HK$48,442
+HK$2,779/mo
Deposit HK$1.05M · loan HK$9.42M · min. income ≈ HK$91,326/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,802
−HK$2,583/mo
▼ 0.25% · 3.875%
HK$49,084
−HK$1,301/mo
Today · 4.125%
HK$50,385
baseline
▲ 0.50% · 4.625%
HK$53,041
+HK$2,656/mo
Deposit HK$1.05M · loan HK$9.42M · min. income ≈ HK$100,770/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,578 · Scale 2, in force from 26 Feb 2026)