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$23,847
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$24,588
−HK$754/mo
Today · 4.125%
HK$25,342
baseline
▲ 0.50% · 4.625%
HK$26,884
+HK$1,542/mo
Deposit HK$5.23M · loan HK$5.23M · min. income ≈ HK$50,684/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$392,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,529
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$27,241
−HK$721/mo
Today · 4.125%
HK$27,962
baseline
▲ 0.50% · 4.625%
HK$29,436
+HK$1,474/mo
Deposit HK$5.23M · loan HK$5.23M · min. income ≈ HK$55,924/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$392,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,616
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$29,506
−HK$904/mo
Today · 4.125%
HK$30,410
baseline
▲ 0.50% · 4.625%
HK$32,261
+HK$1,851/mo
Deposit HK$4.18M · loan HK$6.27M · min. income ≈ HK$60,820/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$392,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,835
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$32,689
−HK$866/mo
Today · 4.125%
HK$33,555
baseline
▲ 0.50% · 4.625%
HK$35,324
+HK$1,769/mo
Deposit HK$4.18M · loan HK$6.27M · min. income ≈ HK$67,110/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$392,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,385
−HK$2,094/mo
▼ 0.25% · 3.875%
HK$34,424
−HK$1,055/mo
Today · 4.125%
HK$35,479
baseline
▲ 0.50% · 4.625%
HK$37,638
+HK$2,159/mo
Deposit HK$3.14M · loan HK$7.32M · min. income ≈ HK$70,958/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$392,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,141
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$38,137
−HK$1,010/mo
Today · 4.125%
HK$39,147
baseline
▲ 0.50% · 4.625%
HK$41,211
+HK$2,064/mo
Deposit HK$3.14M · loan HK$7.32M · min. income ≈ HK$78,294/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$392,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,924
−HK$2,692/mo
▼ 0.25% · 3.875%
HK$44,259
−HK$1,357/mo
Today · 4.125%
HK$45,616
baseline
▲ 0.50% · 4.625%
HK$48,391
+HK$2,775/mo
Deposit HK$1.05M · loan HK$9.41M · min. income ≈ HK$91,232/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,752
−HK$2,580/mo
▼ 0.25% · 3.875%
HK$49,033
−HK$1,299/mo
Today · 4.125%
HK$50,332
baseline
▲ 0.50% · 4.625%
HK$52,985
+HK$2,653/mo
Deposit HK$1.05M · loan HK$9.41M · min. income ≈ HK$100,664/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,171 · Scale 2, in force from 26 Feb 2026)