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$23,864
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$24,606
−HK$754/mo
Today · 4.125%
HK$25,360
baseline
▲ 0.50% · 4.625%
HK$26,903
+HK$1,543/mo
Deposit HK$5.23M · loan HK$5.23M · min. income ≈ HK$50,720/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$392,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,548
−HK$1,434/mo
▼ 0.25% · 3.875%
HK$27,260
−HK$722/mo
Today · 4.125%
HK$27,982
baseline
▲ 0.50% · 4.625%
HK$29,457
+HK$1,475/mo
Deposit HK$5.23M · loan HK$5.23M · min. income ≈ HK$55,964/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$392,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,636
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$29,527
−HK$905/mo
Today · 4.125%
HK$30,432
baseline
▲ 0.50% · 4.625%
HK$32,284
+HK$1,852/mo
Deposit HK$4.19M · loan HK$6.28M · min. income ≈ HK$60,864/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$392,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,858
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$32,712
−HK$867/mo
Today · 4.125%
HK$33,579
baseline
▲ 0.50% · 4.625%
HK$35,349
+HK$1,770/mo
Deposit HK$4.19M · loan HK$6.28M · min. income ≈ HK$67,158/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$392,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,409
−HK$2,095/mo
▼ 0.25% · 3.875%
HK$34,448
−HK$1,056/mo
Today · 4.125%
HK$35,504
baseline
▲ 0.50% · 4.625%
HK$37,664
+HK$2,160/mo
Deposit HK$3.14M · loan HK$7.33M · min. income ≈ HK$71,008/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$392,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,167
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$38,164
−HK$1,011/mo
Today · 4.125%
HK$39,175
baseline
▲ 0.50% · 4.625%
HK$41,240
+HK$2,065/mo
Deposit HK$3.14M · loan HK$7.33M · min. income ≈ HK$78,350/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$392,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,954
−HK$2,694/mo
▼ 0.25% · 3.875%
HK$44,291
−HK$1,357/mo
Today · 4.125%
HK$45,648
baseline
▲ 0.50% · 4.625%
HK$48,426
+HK$2,778/mo
Deposit HK$1.05M · loan HK$9.42M · min. income ≈ HK$91,296/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,786
−HK$2,582/mo
▼ 0.25% · 3.875%
HK$49,068
−HK$1,300/mo
Today · 4.125%
HK$50,368
baseline
▲ 0.50% · 4.625%
HK$53,023
+HK$2,655/mo
Deposit HK$1.05M · loan HK$9.42M · min. income ≈ HK$100,736/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,450 · Scale 2, in force from 26 Feb 2026)