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$23,865
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$24,607
−HK$754/mo
Today · 4.125%
HK$25,361
baseline
▲ 0.50% · 4.625%
HK$26,904
+HK$1,543/mo
Deposit HK$5.23M · loan HK$5.23M · min. income ≈ HK$50,722/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$392,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,549
−HK$1,434/mo
▼ 0.25% · 3.875%
HK$27,261
−HK$722/mo
Today · 4.125%
HK$27,983
baseline
▲ 0.50% · 4.625%
HK$29,458
+HK$1,475/mo
Deposit HK$5.23M · loan HK$5.23M · min. income ≈ HK$55,966/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$392,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,637
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$29,528
−HK$905/mo
Today · 4.125%
HK$30,433
baseline
▲ 0.50% · 4.625%
HK$32,285
+HK$1,852/mo
Deposit HK$4.19M · loan HK$6.28M · min. income ≈ HK$60,866/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$392,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,859
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$32,713
−HK$867/mo
Today · 4.125%
HK$33,580
baseline
▲ 0.50% · 4.625%
HK$35,350
+HK$1,770/mo
Deposit HK$4.19M · loan HK$6.28M · min. income ≈ HK$67,160/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$392,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,410
−HK$2,095/mo
▼ 0.25% · 3.875%
HK$34,450
−HK$1,055/mo
Today · 4.125%
HK$35,505
baseline
▲ 0.50% · 4.625%
HK$37,666
+HK$2,161/mo
Deposit HK$3.14M · loan HK$7.33M · min. income ≈ HK$71,010/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$392,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,169
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$38,166
−HK$1,011/mo
Today · 4.125%
HK$39,177
baseline
▲ 0.50% · 4.625%
HK$41,242
+HK$2,065/mo
Deposit HK$3.14M · loan HK$7.33M · min. income ≈ HK$78,354/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$392,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,956
−HK$2,694/mo
▼ 0.25% · 3.875%
HK$44,292
−HK$1,358/mo
Today · 4.125%
HK$45,650
baseline
▲ 0.50% · 4.625%
HK$48,428
+HK$2,778/mo
Deposit HK$1.05M · loan HK$9.42M · min. income ≈ HK$91,300/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,788
−HK$2,582/mo
▼ 0.25% · 3.875%
HK$49,070
−HK$1,300/mo
Today · 4.125%
HK$50,370
baseline
▲ 0.50% · 4.625%
HK$53,025
+HK$2,655/mo
Deposit HK$1.05M · loan HK$9.42M · min. income ≈ HK$100,740/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,465 · Scale 2, in force from 26 Feb 2026)