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$23,840
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$24,582
−HK$753/mo
Today · 4.125%
HK$25,335
baseline
▲ 0.50% · 4.625%
HK$26,877
+HK$1,542/mo
Deposit HK$5.23M · loan HK$5.23M · min. income ≈ HK$50,670/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$392,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,522
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$27,233
−HK$722/mo
Today · 4.125%
HK$27,955
baseline
▲ 0.50% · 4.625%
HK$29,428
+HK$1,473/mo
Deposit HK$5.23M · loan HK$5.23M · min. income ≈ HK$55,910/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$392,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,608
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$29,498
−HK$904/mo
Today · 4.125%
HK$30,402
baseline
▲ 0.50% · 4.625%
HK$32,252
+HK$1,850/mo
Deposit HK$4.18M · loan HK$6.27M · min. income ≈ HK$60,804/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$392,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,826
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$32,680
−HK$866/mo
Today · 4.125%
HK$33,546
baseline
▲ 0.50% · 4.625%
HK$35,314
+HK$1,768/mo
Deposit HK$4.18M · loan HK$6.27M · min. income ≈ HK$67,092/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$392,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,376
−HK$2,093/mo
▼ 0.25% · 3.875%
HK$34,414
−HK$1,055/mo
Today · 4.125%
HK$35,469
baseline
▲ 0.50% · 4.625%
HK$37,627
+HK$2,158/mo
Deposit HK$3.14M · loan HK$7.32M · min. income ≈ HK$70,938/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$392,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,131
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$38,126
−HK$1,011/mo
Today · 4.125%
HK$39,137
baseline
▲ 0.50% · 4.625%
HK$41,200
+HK$2,063/mo
Deposit HK$3.14M · loan HK$7.32M · min. income ≈ HK$78,274/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$392,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,912
−HK$2,691/mo
▼ 0.25% · 3.875%
HK$44,247
−HK$1,356/mo
Today · 4.125%
HK$45,603
baseline
▲ 0.50% · 4.625%
HK$48,378
+HK$2,775/mo
Deposit HK$1.05M · loan HK$9.41M · min. income ≈ HK$91,206/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,739
−HK$2,580/mo
▼ 0.25% · 3.875%
HK$49,020
−HK$1,299/mo
Today · 4.125%
HK$50,319
baseline
▲ 0.50% · 4.625%
HK$52,971
+HK$2,652/mo
Deposit HK$1.05M · loan HK$9.41M · min. income ≈ HK$100,638/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,063 · Scale 2, in force from 26 Feb 2026)