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$23,809
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$24,550
−HK$752/mo
Today · 4.125%
HK$25,302
baseline
▲ 0.50% · 4.625%
HK$26,842
+HK$1,540/mo
Deposit HK$5.22M · loan HK$5.22M · min. income ≈ HK$50,604/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$391,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,487
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$27,198
−HK$720/mo
Today · 4.125%
HK$27,918
baseline
▲ 0.50% · 4.625%
HK$29,390
+HK$1,472/mo
Deposit HK$5.22M · loan HK$5.22M · min. income ≈ HK$55,836/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$391,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,571
−HK$1,792/mo
▼ 0.25% · 3.875%
HK$29,460
−HK$903/mo
Today · 4.125%
HK$30,363
baseline
▲ 0.50% · 4.625%
HK$32,210
+HK$1,847/mo
Deposit HK$4.18M · loan HK$6.26M · min. income ≈ HK$60,726/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$391,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,785
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$32,637
−HK$865/mo
Today · 4.125%
HK$33,502
baseline
▲ 0.50% · 4.625%
HK$35,268
+HK$1,766/mo
Deposit HK$4.18M · loan HK$6.26M · min. income ≈ HK$67,004/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$391,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,333
−HK$2,090/mo
▼ 0.25% · 3.875%
HK$34,370
−HK$1,053/mo
Today · 4.125%
HK$35,423
baseline
▲ 0.50% · 4.625%
HK$37,578
+HK$2,155/mo
Deposit HK$3.13M · loan HK$7.31M · min. income ≈ HK$70,846/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$391,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,082
−HK$2,004/mo
▼ 0.25% · 3.875%
HK$38,077
−HK$1,009/mo
Today · 4.125%
HK$39,086
baseline
▲ 0.50% · 4.625%
HK$41,146
+HK$2,060/mo
Deposit HK$3.13M · loan HK$7.31M · min. income ≈ HK$78,172/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$391,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,856
−HK$2,688/mo
▼ 0.25% · 3.875%
HK$44,190
−HK$1,354/mo
Today · 4.125%
HK$45,544
baseline
▲ 0.50% · 4.625%
HK$48,315
+HK$2,771/mo
Deposit HK$1.04M · loan HK$9.40M · min. income ≈ HK$91,088/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$391,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,677
−HK$2,576/mo
▼ 0.25% · 3.875%
HK$48,956
−HK$1,297/mo
Today · 4.125%
HK$50,253
baseline
▲ 0.50% · 4.625%
HK$52,902
+HK$2,649/mo
Deposit HK$1.04M · loan HK$9.40M · min. income ≈ HK$100,506/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$391,554 · Scale 2, in force from 26 Feb 2026)