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$23,839
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$24,580
−HK$754/mo
Today · 4.125%
HK$25,334
baseline
▲ 0.50% · 4.625%
HK$26,875
+HK$1,541/mo
Deposit HK$5.23M · loan HK$5.23M · min. income ≈ HK$50,668/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$392,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,521
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$27,232
−HK$721/mo
Today · 4.125%
HK$27,953
baseline
▲ 0.50% · 4.625%
HK$29,427
+HK$1,474/mo
Deposit HK$5.23M · loan HK$5.23M · min. income ≈ HK$55,906/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$392,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,607
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$29,497
−HK$904/mo
Today · 4.125%
HK$30,401
baseline
▲ 0.50% · 4.625%
HK$32,250
+HK$1,849/mo
Deposit HK$4.18M · loan HK$6.27M · min. income ≈ HK$60,802/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$392,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,825
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$32,678
−HK$866/mo
Today · 4.125%
HK$33,544
baseline
▲ 0.50% · 4.625%
HK$35,312
+HK$1,768/mo
Deposit HK$4.18M · loan HK$6.27M · min. income ≈ HK$67,088/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$392,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,374
−HK$2,093/mo
▼ 0.25% · 3.875%
HK$34,413
−HK$1,054/mo
Today · 4.125%
HK$35,467
baseline
▲ 0.50% · 4.625%
HK$37,625
+HK$2,158/mo
Deposit HK$3.14M · loan HK$7.32M · min. income ≈ HK$70,934/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$392,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,129
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$38,125
−HK$1,010/mo
Today · 4.125%
HK$39,135
baseline
▲ 0.50% · 4.625%
HK$41,198
+HK$2,063/mo
Deposit HK$3.14M · loan HK$7.32M · min. income ≈ HK$78,270/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$392,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,910
−HK$2,691/mo
▼ 0.25% · 3.875%
HK$44,245
−HK$1,356/mo
Today · 4.125%
HK$45,601
baseline
▲ 0.50% · 4.625%
HK$48,376
+HK$2,775/mo
Deposit HK$1.05M · loan HK$9.41M · min. income ≈ HK$91,202/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,737
−HK$2,579/mo
▼ 0.25% · 3.875%
HK$49,017
−HK$1,299/mo
Today · 4.125%
HK$50,316
baseline
▲ 0.50% · 4.625%
HK$52,968
+HK$2,652/mo
Deposit HK$1.05M · loan HK$9.41M · min. income ≈ HK$100,632/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,044 · Scale 2, in force from 26 Feb 2026)