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$23,854
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$24,596
−HK$754/mo
Today · 4.125%
HK$25,350
baseline
▲ 0.50% · 4.625%
HK$26,892
+HK$1,542/mo
Deposit HK$5.23M · loan HK$5.23M · min. income ≈ HK$50,700/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$392,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,537
−HK$1,434/mo
▼ 0.25% · 3.875%
HK$27,249
−HK$722/mo
Today · 4.125%
HK$27,971
baseline
▲ 0.50% · 4.625%
HK$29,445
+HK$1,474/mo
Deposit HK$5.23M · loan HK$5.23M · min. income ≈ HK$55,942/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$392,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,624
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$29,515
−HK$904/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$392,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,844
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$32,698
−HK$867/mo
Today · 4.125%
HK$33,565
baseline
▲ 0.50% · 4.625%
HK$35,334
+HK$1,769/mo
Deposit HK$4.18M · loan HK$6.28M · min. income ≈ HK$67,130/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$392,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,395
−HK$2,094/mo
▼ 0.25% · 3.875%
HK$34,434
−HK$1,055/mo
Today · 4.125%
HK$35,489
baseline
▲ 0.50% · 4.625%
HK$37,649
+HK$2,160/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$392,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,152
−HK$2,007/mo
▼ 0.25% · 3.875%
HK$38,148
−HK$1,011/mo
Today · 4.125%
HK$39,159
baseline
▲ 0.50% · 4.625%
HK$41,223
+HK$2,064/mo
Deposit HK$3.14M · loan HK$7.32M · min. income ≈ HK$78,318/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$392,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,937
−HK$2,692/mo
▼ 0.25% · 3.875%
HK$44,272
−HK$1,357/mo
Today · 4.125%
HK$45,629
baseline
▲ 0.50% · 4.625%
HK$48,406
+HK$2,777/mo
Deposit HK$1.05M · loan HK$9.41M · min. income ≈ HK$91,258/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,767
−HK$2,580/mo
▼ 0.25% · 3.875%
HK$49,048
−HK$1,299/mo
Today · 4.125%
HK$50,347
baseline
▲ 0.50% · 4.625%
HK$53,001
+HK$2,654/mo
Deposit HK$1.05M · loan HK$9.41M · min. income ≈ HK$100,694/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,287 · Scale 2, in force from 26 Feb 2026)