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$23,828
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$24,569
−HK$753/mo
Today · 4.125%
HK$25,322
baseline
▲ 0.50% · 4.625%
HK$26,863
+HK$1,541/mo
Deposit HK$5.22M · loan HK$5.22M · min. income ≈ HK$50,644/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$391,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,509
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$27,220
−HK$721/mo
Today · 4.125%
HK$27,941
baseline
▲ 0.50% · 4.625%
HK$29,414
+HK$1,473/mo
Deposit HK$5.22M · loan HK$5.22M · min. income ≈ HK$55,882/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$391,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,594
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$29,483
−HK$904/mo
Today · 4.125%
HK$30,387
baseline
▲ 0.50% · 4.625%
HK$32,236
+HK$1,849/mo
Deposit HK$4.18M · loan HK$6.27M · min. income ≈ HK$60,774/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$391,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,810
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$32,663
−HK$866/mo
Today · 4.125%
HK$33,529
baseline
▲ 0.50% · 4.625%
HK$35,296
+HK$1,767/mo
Deposit HK$4.18M · loan HK$6.27M · min. income ≈ HK$67,058/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$391,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,359
−HK$2,092/mo
▼ 0.25% · 3.875%
HK$34,397
−HK$1,054/mo
Today · 4.125%
HK$35,451
baseline
▲ 0.50% · 4.625%
HK$37,609
+HK$2,158/mo
Deposit HK$3.13M · loan HK$7.31M · min. income ≈ HK$70,902/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$391,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,112
−HK$2,005/mo
▼ 0.25% · 3.875%
HK$38,107
−HK$1,010/mo
Today · 4.125%
HK$39,117
baseline
▲ 0.50% · 4.625%
HK$41,179
+HK$2,062/mo
Deposit HK$3.13M · loan HK$7.31M · min. income ≈ HK$78,234/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$391,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,891
−HK$2,689/mo
▼ 0.25% · 3.875%
HK$44,225
−HK$1,355/mo
Today · 4.125%
HK$45,580
baseline
▲ 0.50% · 4.625%
HK$48,354
+HK$2,774/mo
Deposit HK$1.04M · loan HK$9.40M · min. income ≈ HK$91,160/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$391,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,715
−HK$2,578/mo
▼ 0.25% · 3.875%
HK$48,995
−HK$1,298/mo
Today · 4.125%
HK$50,293
baseline
▲ 0.50% · 4.625%
HK$52,944
+HK$2,651/mo
Deposit HK$1.04M · loan HK$9.40M · min. income ≈ HK$100,586/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$391,867 · Scale 2, in force from 26 Feb 2026)