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$23,832
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$24,573
−HK$753/mo
Today · 4.125%
HK$25,326
baseline
▲ 0.50% · 4.625%
HK$26,867
+HK$1,541/mo
Deposit HK$5.23M · loan HK$5.23M · min. income ≈ HK$50,652/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$391,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,513
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$27,224
−HK$721/mo
Today · 4.125%
HK$27,945
baseline
▲ 0.50% · 4.625%
HK$29,418
+HK$1,473/mo
Deposit HK$5.23M · loan HK$5.23M · min. income ≈ HK$55,890/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$391,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,598
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$29,488
−HK$904/mo
Today · 4.125%
HK$30,392
baseline
▲ 0.50% · 4.625%
HK$32,241
+HK$1,849/mo
Deposit HK$4.18M · loan HK$6.27M · min. income ≈ HK$60,784/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$391,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,815
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$32,669
−HK$865/mo
Today · 4.125%
HK$33,534
baseline
▲ 0.50% · 4.625%
HK$35,302
+HK$1,768/mo
Deposit HK$4.18M · loan HK$6.27M · min. income ≈ HK$67,068/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$391,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,365
−HK$2,092/mo
▼ 0.25% · 3.875%
HK$34,403
−HK$1,054/mo
Today · 4.125%
HK$35,457
baseline
▲ 0.50% · 4.625%
HK$37,614
+HK$2,157/mo
Deposit HK$3.14M · loan HK$7.32M · min. income ≈ HK$70,914/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$391,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,118
−HK$2,005/mo
▼ 0.25% · 3.875%
HK$38,113
−HK$1,010/mo
Today · 4.125%
HK$39,123
baseline
▲ 0.50% · 4.625%
HK$41,186
+HK$2,063/mo
Deposit HK$3.14M · loan HK$7.32M · min. income ≈ HK$78,246/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$391,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,897
−HK$2,691/mo
▼ 0.25% · 3.875%
HK$44,232
−HK$1,356/mo
Today · 4.125%
HK$45,588
baseline
▲ 0.50% · 4.625%
HK$48,361
+HK$2,773/mo
Deposit HK$1.05M · loan HK$9.41M · min. income ≈ HK$91,176/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$391,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,723
−HK$2,578/mo
▼ 0.25% · 3.875%
HK$49,003
−HK$1,298/mo
Today · 4.125%
HK$50,301
baseline
▲ 0.50% · 4.625%
HK$52,953
+HK$2,652/mo
Deposit HK$1.05M · loan HK$9.41M · min. income ≈ HK$100,602/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$391,929 · Scale 2, in force from 26 Feb 2026)