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$23,827
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$24,568
−HK$753/mo
Today · 4.125%
HK$25,321
baseline
▲ 0.50% · 4.625%
HK$26,862
+HK$1,541/mo
Deposit HK$5.22M · loan HK$5.22M · min. income ≈ HK$50,642/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$391,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,507
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$27,218
−HK$722/mo
Today · 4.125%
HK$27,940
baseline
▲ 0.50% · 4.625%
HK$29,412
+HK$1,472/mo
Deposit HK$5.22M · loan HK$5.22M · min. income ≈ HK$55,880/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$391,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,592
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$29,482
−HK$903/mo
Today · 4.125%
HK$30,385
baseline
▲ 0.50% · 4.625%
HK$32,234
+HK$1,849/mo
Deposit HK$4.18M · loan HK$6.27M · min. income ≈ HK$60,770/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$391,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,809
−HK$1,718/mo
▼ 0.25% · 3.875%
HK$32,662
−HK$865/mo
Today · 4.125%
HK$33,527
baseline
▲ 0.50% · 4.625%
HK$35,295
+HK$1,768/mo
Deposit HK$4.18M · loan HK$6.27M · min. income ≈ HK$67,054/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$391,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,358
−HK$2,092/mo
▼ 0.25% · 3.875%
HK$34,396
−HK$1,054/mo
Today · 4.125%
HK$35,450
baseline
▲ 0.50% · 4.625%
HK$37,607
+HK$2,157/mo
Deposit HK$3.13M · loan HK$7.31M · min. income ≈ HK$70,900/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$391,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,110
−HK$2,005/mo
▼ 0.25% · 3.875%
HK$38,106
−HK$1,009/mo
Today · 4.125%
HK$39,115
baseline
▲ 0.50% · 4.625%
HK$41,177
+HK$2,062/mo
Deposit HK$3.13M · loan HK$7.31M · min. income ≈ HK$78,230/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$391,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,889
−HK$2,689/mo
▼ 0.25% · 3.875%
HK$44,223
−HK$1,355/mo
Today · 4.125%
HK$45,578
baseline
▲ 0.50% · 4.625%
HK$48,352
+HK$2,774/mo
Deposit HK$1.04M · loan HK$9.40M · min. income ≈ HK$91,156/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$391,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,713
−HK$2,578/mo
▼ 0.25% · 3.875%
HK$48,993
−HK$1,298/mo
Today · 4.125%
HK$50,291
baseline
▲ 0.50% · 4.625%
HK$52,942
+HK$2,651/mo
Deposit HK$1.04M · loan HK$9.40M · min. income ≈ HK$100,582/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$391,849 · Scale 2, in force from 26 Feb 2026)