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$23,858
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$24,600
−HK$754/mo
Today · 4.125%
HK$25,354
baseline
▲ 0.50% · 4.625%
HK$26,897
+HK$1,543/mo
Deposit HK$5.23M · loan HK$5.23M · min. income ≈ HK$50,708/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$392,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,542
−HK$1,434/mo
▼ 0.25% · 3.875%
HK$27,254
−HK$722/mo
Today · 4.125%
HK$27,976
baseline
▲ 0.50% · 4.625%
HK$29,451
+HK$1,475/mo
Deposit HK$5.23M · loan HK$5.23M · min. income ≈ HK$55,952/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$392,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,630
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$29,521
−HK$904/mo
Today · 4.125%
HK$30,425
baseline
▲ 0.50% · 4.625%
HK$32,277
+HK$1,852/mo
Deposit HK$4.19M · loan HK$6.28M · min. income ≈ HK$60,850/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$392,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,851
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$32,705
−HK$866/mo
Today · 4.125%
HK$33,571
baseline
▲ 0.50% · 4.625%
HK$35,341
+HK$1,770/mo
Deposit HK$4.19M · loan HK$6.28M · min. income ≈ HK$67,142/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$392,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,402
−HK$2,094/mo
▼ 0.25% · 3.875%
HK$34,441
−HK$1,055/mo
Today · 4.125%
HK$35,496
baseline
▲ 0.50% · 4.625%
HK$37,656
+HK$2,160/mo
Deposit HK$3.14M · loan HK$7.32M · min. income ≈ HK$70,992/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$392,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,159
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$38,156
−HK$1,011/mo
Today · 4.125%
HK$39,167
baseline
▲ 0.50% · 4.625%
HK$41,231
+HK$2,064/mo
Deposit HK$3.14M · loan HK$7.32M · min. income ≈ HK$78,334/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$392,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,945
−HK$2,693/mo
▼ 0.25% · 3.875%
HK$44,281
−HK$1,357/mo
Today · 4.125%
HK$45,638
baseline
▲ 0.50% · 4.625%
HK$48,415
+HK$2,777/mo
Deposit HK$1.05M · loan HK$9.42M · min. income ≈ HK$91,276/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,776
−HK$2,581/mo
▼ 0.25% · 3.875%
HK$49,057
−HK$1,300/mo
Today · 4.125%
HK$50,357
baseline
▲ 0.50% · 4.625%
HK$53,012
+HK$2,655/mo
Deposit HK$1.05M · loan HK$9.42M · min. income ≈ HK$100,714/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,364 · Scale 2, in force from 26 Feb 2026)