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$26,896
+HK$1,542/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$392,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,541
−HK$1,434/mo
▼ 0.25% · 3.875%
HK$27,253
−HK$722/mo
Today · 4.125%
HK$27,975
baseline
▲ 0.50% · 4.625%
HK$29,450
+HK$1,475/mo
Deposit HK$5.23M · loan HK$5.23M · min. income ≈ HK$55,950/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$392,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,629
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$29,520
−HK$904/mo
Today · 4.125%
HK$30,424
baseline
▲ 0.50% · 4.625%
HK$32,276
+HK$1,852/mo
Deposit HK$4.19M · loan HK$6.28M · min. income ≈ HK$60,848/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$392,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,850
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$32,704
−HK$866/mo
Today · 4.125%
HK$33,570
baseline
▲ 0.50% · 4.625%
HK$35,340
+HK$1,770/mo
Deposit HK$4.19M · loan HK$6.28M · min. income ≈ HK$67,140/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$392,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,401
−HK$2,094/mo
▼ 0.25% · 3.875%
HK$34,440
−HK$1,055/mo
Today · 4.125%
HK$35,495
baseline
▲ 0.50% · 4.625%
HK$37,655
+HK$2,160/mo
Deposit HK$3.14M · loan HK$7.32M · min. income ≈ HK$70,990/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$392,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,158
−HK$2,007/mo
▼ 0.25% · 3.875%
HK$38,154
−HK$1,011/mo
Today · 4.125%
HK$39,165
baseline
▲ 0.50% · 4.625%
HK$41,230
+HK$2,065/mo
Deposit HK$3.14M · loan HK$7.32M · min. income ≈ HK$78,330/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$392,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,944
−HK$2,693/mo
▼ 0.25% · 3.875%
HK$44,280
−HK$1,357/mo
Today · 4.125%
HK$45,637
baseline
▲ 0.50% · 4.625%
HK$48,414
+HK$2,777/mo
Deposit HK$1.05M · loan HK$9.42M · min. income ≈ HK$91,274/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,774
−HK$2,582/mo
▼ 0.25% · 3.875%
HK$49,056
−HK$1,300/mo
Today · 4.125%
HK$50,356
baseline
▲ 0.50% · 4.625%
HK$53,010
+HK$2,654/mo
Deposit HK$1.05M · loan HK$9.42M · min. income ≈ HK$100,712/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,352 · Scale 2, in force from 26 Feb 2026)