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$23,860
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$24,602
−HK$754/mo
Today · 4.125%
HK$25,356
baseline
▲ 0.50% · 4.625%
HK$26,899
+HK$1,543/mo
Deposit HK$5.23M · loan HK$5.23M · min. income ≈ HK$50,712/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$392,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,544
−HK$1,434/mo
▼ 0.25% · 3.875%
HK$27,256
−HK$722/mo
Today · 4.125%
HK$27,978
baseline
▲ 0.50% · 4.625%
HK$29,453
+HK$1,475/mo
Deposit HK$5.23M · loan HK$5.23M · min. income ≈ HK$55,956/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$392,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,632
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$29,523
−HK$905/mo
Today · 4.125%
HK$30,428
baseline
▲ 0.50% · 4.625%
HK$32,279
+HK$1,851/mo
Deposit HK$4.19M · loan HK$6.28M · min. income ≈ HK$60,856/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$392,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,853
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$32,707
−HK$867/mo
Today · 4.125%
HK$33,574
baseline
▲ 0.50% · 4.625%
HK$35,344
+HK$1,770/mo
Deposit HK$4.19M · loan HK$6.28M · min. income ≈ HK$67,148/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$392,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,404
−HK$2,095/mo
▼ 0.25% · 3.875%
HK$34,443
−HK$1,056/mo
Today · 4.125%
HK$35,499
baseline
▲ 0.50% · 4.625%
HK$37,659
+HK$2,160/mo
Deposit HK$3.14M · loan HK$7.32M · min. income ≈ HK$70,998/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$392,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,162
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$38,159
−HK$1,011/mo
Today · 4.125%
HK$39,170
baseline
▲ 0.50% · 4.625%
HK$41,234
+HK$2,064/mo
Deposit HK$3.14M · loan HK$7.32M · min. income ≈ HK$78,340/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$392,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,948
−HK$2,694/mo
▼ 0.25% · 3.875%
HK$44,284
−HK$1,358/mo
Today · 4.125%
HK$45,642
baseline
▲ 0.50% · 4.625%
HK$48,419
+HK$2,777/mo
Deposit HK$1.05M · loan HK$9.42M · min. income ≈ HK$91,284/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,780
−HK$2,581/mo
▼ 0.25% · 3.875%
HK$49,061
−HK$1,300/mo
Today · 4.125%
HK$50,361
baseline
▲ 0.50% · 4.625%
HK$53,016
+HK$2,655/mo
Deposit HK$1.05M · loan HK$9.42M · min. income ≈ HK$100,722/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,394 · Scale 2, in force from 26 Feb 2026)