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$23,871
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$24,613
−HK$754/mo
Today · 4.125%
HK$25,367
baseline
▲ 0.50% · 4.625%
HK$26,911
+HK$1,544/mo
Deposit HK$5.23M · loan HK$5.23M · min. income ≈ HK$50,734/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$392,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,556
−HK$1,434/mo
▼ 0.25% · 3.875%
HK$27,268
−HK$722/mo
Today · 4.125%
HK$27,990
baseline
▲ 0.50% · 4.625%
HK$29,466
+HK$1,476/mo
Deposit HK$5.23M · loan HK$5.23M · min. income ≈ HK$55,980/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$392,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,645
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$29,536
−HK$905/mo
Today · 4.125%
HK$30,441
baseline
▲ 0.50% · 4.625%
HK$32,293
+HK$1,852/mo
Deposit HK$4.19M · loan HK$6.28M · min. income ≈ HK$60,882/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$392,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,867
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$32,722
−HK$867/mo
Today · 4.125%
HK$33,589
baseline
▲ 0.50% · 4.625%
HK$35,359
+HK$1,770/mo
Deposit HK$4.19M · loan HK$6.28M · min. income ≈ HK$67,178/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$392,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,419
−HK$2,095/mo
▼ 0.25% · 3.875%
HK$34,458
−HK$1,056/mo
Today · 4.125%
HK$35,514
baseline
▲ 0.50% · 4.625%
HK$37,675
+HK$2,161/mo
Deposit HK$3.14M · loan HK$7.33M · min. income ≈ HK$71,028/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$392,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,178
−HK$2,009/mo
▼ 0.25% · 3.875%
HK$38,175
−HK$1,012/mo
Today · 4.125%
HK$39,187
baseline
▲ 0.50% · 4.625%
HK$41,252
+HK$2,065/mo
Deposit HK$3.14M · loan HK$7.33M · min. income ≈ HK$78,374/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$392,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,967
−HK$2,694/mo
▼ 0.25% · 3.875%
HK$44,304
−HK$1,357/mo
Today · 4.125%
HK$45,661
baseline
▲ 0.50% · 4.625%
HK$48,440
+HK$2,779/mo
Deposit HK$1.05M · loan HK$9.42M · min. income ≈ HK$91,322/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,800
−HK$2,583/mo
▼ 0.25% · 3.875%
HK$49,082
−HK$1,301/mo
Today · 4.125%
HK$50,383
baseline
▲ 0.50% · 4.625%
HK$53,039
+HK$2,656/mo
Deposit HK$1.05M · loan HK$9.42M · min. income ≈ HK$100,766/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,564 · Scale 2, in force from 26 Feb 2026)