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$23,808
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$24,549
−HK$752/mo
Today · 4.125%
HK$25,301
baseline
▲ 0.50% · 4.625%
HK$26,840
+HK$1,539/mo
Deposit HK$5.22M · loan HK$5.22M · min. income ≈ HK$50,602/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$391,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,486
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$27,196
−HK$721/mo
Today · 4.125%
HK$27,917
baseline
▲ 0.50% · 4.625%
HK$29,389
+HK$1,472/mo
Deposit HK$5.22M · loan HK$5.22M · min. income ≈ HK$55,834/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$391,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,570
−HK$1,791/mo
▼ 0.25% · 3.875%
HK$29,458
−HK$903/mo
Today · 4.125%
HK$30,361
baseline
▲ 0.50% · 4.625%
HK$32,209
+HK$1,848/mo
Deposit HK$4.18M · loan HK$6.26M · min. income ≈ HK$60,722/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$391,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,783
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$32,636
−HK$864/mo
Today · 4.125%
HK$33,500
baseline
▲ 0.50% · 4.625%
HK$35,266
+HK$1,766/mo
Deposit HK$4.18M · loan HK$6.26M · min. income ≈ HK$67,000/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$391,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,331
−HK$2,090/mo
▼ 0.25% · 3.875%
HK$34,368
−HK$1,053/mo
Today · 4.125%
HK$35,421
baseline
▲ 0.50% · 4.625%
HK$37,577
+HK$2,156/mo
Deposit HK$3.13M · loan HK$7.31M · min. income ≈ HK$70,842/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$391,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,081
−HK$2,003/mo
▼ 0.25% · 3.875%
HK$38,075
−HK$1,009/mo
Today · 4.125%
HK$39,084
baseline
▲ 0.50% · 4.625%
HK$41,144
+HK$2,060/mo
Deposit HK$3.13M · loan HK$7.31M · min. income ≈ HK$78,168/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$391,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,854
−HK$2,688/mo
▼ 0.25% · 3.875%
HK$44,187
−HK$1,355/mo
Today · 4.125%
HK$45,542
baseline
▲ 0.50% · 4.625%
HK$48,313
+HK$2,771/mo
Deposit HK$1.04M · loan HK$9.40M · min. income ≈ HK$91,084/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$391,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,675
−HK$2,576/mo
▼ 0.25% · 3.875%
HK$48,954
−HK$1,297/mo
Today · 4.125%
HK$50,251
baseline
▲ 0.50% · 4.625%
HK$52,900
+HK$2,649/mo
Deposit HK$1.04M · loan HK$9.40M · min. income ≈ HK$100,502/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$391,535 · Scale 2, in force from 26 Feb 2026)