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$23,831
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$24,572
−HK$753/mo
Today · 4.125%
HK$25,325
baseline
▲ 0.50% · 4.625%
HK$26,866
+HK$1,541/mo
Deposit HK$5.23M · loan HK$5.23M · min. income ≈ HK$50,650/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$391,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,511
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$27,222
−HK$722/mo
Today · 4.125%
HK$27,944
baseline
▲ 0.50% · 4.625%
HK$29,417
+HK$1,473/mo
Deposit HK$5.23M · loan HK$5.23M · min. income ≈ HK$55,888/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$391,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,597
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$29,486
−HK$904/mo
Today · 4.125%
HK$30,390
baseline
▲ 0.50% · 4.625%
HK$32,239
+HK$1,849/mo
Deposit HK$4.18M · loan HK$6.27M · min. income ≈ HK$60,780/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$391,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,814
−HK$1,718/mo
▼ 0.25% · 3.875%
HK$32,667
−HK$865/mo
Today · 4.125%
HK$33,532
baseline
▲ 0.50% · 4.625%
HK$35,300
+HK$1,768/mo
Deposit HK$4.18M · loan HK$6.27M · min. income ≈ HK$67,064/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$391,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,363
−HK$2,092/mo
▼ 0.25% · 3.875%
HK$34,401
−HK$1,054/mo
Today · 4.125%
HK$35,455
baseline
▲ 0.50% · 4.625%
HK$37,612
+HK$2,157/mo
Deposit HK$3.14M · loan HK$7.32M · min. income ≈ HK$70,910/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$391,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,116
−HK$2,005/mo
▼ 0.25% · 3.875%
HK$38,111
−HK$1,010/mo
Today · 4.125%
HK$39,121
baseline
▲ 0.50% · 4.625%
HK$41,183
+HK$2,062/mo
Deposit HK$3.14M · loan HK$7.32M · min. income ≈ HK$78,242/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$391,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,895
−HK$2,690/mo
▼ 0.25% · 3.875%
HK$44,229
−HK$1,356/mo
Today · 4.125%
HK$45,585
baseline
▲ 0.50% · 4.625%
HK$48,359
+HK$2,774/mo
Deposit HK$1.05M · loan HK$9.41M · min. income ≈ HK$91,170/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$391,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,720
−HK$2,579/mo
▼ 0.25% · 3.875%
HK$49,000
−HK$1,299/mo
Today · 4.125%
HK$50,299
baseline
▲ 0.50% · 4.625%
HK$52,950
+HK$2,651/mo
Deposit HK$1.05M · loan HK$9.41M · min. income ≈ HK$100,598/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$391,908 · Scale 2, in force from 26 Feb 2026)