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$23,837
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$24,578
−HK$754/mo
Today · 4.125%
HK$25,332
baseline
▲ 0.50% · 4.625%
HK$26,873
+HK$1,541/mo
Deposit HK$5.23M · loan HK$5.23M · min. income ≈ HK$50,664/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$392,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,518
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$27,229
−HK$722/mo
Today · 4.125%
HK$27,951
baseline
▲ 0.50% · 4.625%
HK$29,424
+HK$1,473/mo
Deposit HK$5.23M · loan HK$5.23M · min. income ≈ HK$55,902/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$392,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,604
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$29,494
−HK$904/mo
Today · 4.125%
HK$30,398
baseline
▲ 0.50% · 4.625%
HK$32,248
+HK$1,850/mo
Deposit HK$4.18M · loan HK$6.27M · min. income ≈ HK$60,796/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$392,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,822
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$32,675
−HK$866/mo
Today · 4.125%
HK$33,541
baseline
▲ 0.50% · 4.625%
HK$35,309
+HK$1,768/mo
Deposit HK$4.18M · loan HK$6.27M · min. income ≈ HK$67,082/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$392,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,372
−HK$2,092/mo
▼ 0.25% · 3.875%
HK$34,410
−HK$1,054/mo
Today · 4.125%
HK$35,464
baseline
▲ 0.50% · 4.625%
HK$37,622
+HK$2,158/mo
Deposit HK$3.14M · loan HK$7.32M · min. income ≈ HK$70,928/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$392,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,126
−HK$2,005/mo
▼ 0.25% · 3.875%
HK$38,121
−HK$1,010/mo
Today · 4.125%
HK$39,131
baseline
▲ 0.50% · 4.625%
HK$41,194
+HK$2,063/mo
Deposit HK$3.14M · loan HK$7.32M · min. income ≈ HK$78,262/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$392,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,906
−HK$2,691/mo
▼ 0.25% · 3.875%
HK$44,241
−HK$1,356/mo
Today · 4.125%
HK$45,597
baseline
▲ 0.50% · 4.625%
HK$48,371
+HK$2,774/mo
Deposit HK$1.05M · loan HK$9.41M · min. income ≈ HK$91,194/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,733
−HK$2,579/mo
▼ 0.25% · 3.875%
HK$49,013
−HK$1,299/mo
Today · 4.125%
HK$50,312
baseline
▲ 0.50% · 4.625%
HK$52,964
+HK$2,652/mo
Deposit HK$1.05M · loan HK$9.41M · min. income ≈ HK$100,624/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,010 · Scale 2, in force from 26 Feb 2026)