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$23,841
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$24,583
−HK$753/mo
Today · 4.125%
HK$25,336
baseline
▲ 0.50% · 4.625%
HK$26,878
+HK$1,542/mo
Deposit HK$5.23M · loan HK$5.23M · min. income ≈ HK$50,672/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$392,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,523
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$27,235
−HK$721/mo
Today · 4.125%
HK$27,956
baseline
▲ 0.50% · 4.625%
HK$29,430
+HK$1,474/mo
Deposit HK$5.23M · loan HK$5.23M · min. income ≈ HK$55,912/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$392,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,610
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$29,500
−HK$904/mo
Today · 4.125%
HK$30,404
baseline
▲ 0.50% · 4.625%
HK$32,254
+HK$1,850/mo
Deposit HK$4.18M · loan HK$6.27M · min. income ≈ HK$60,808/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$392,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,828
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$32,682
−HK$866/mo
Today · 4.125%
HK$33,548
baseline
▲ 0.50% · 4.625%
HK$35,316
+HK$1,768/mo
Deposit HK$4.18M · loan HK$6.27M · min. income ≈ HK$67,096/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$392,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,378
−HK$2,093/mo
▼ 0.25% · 3.875%
HK$34,416
−HK$1,055/mo
Today · 4.125%
HK$35,471
baseline
▲ 0.50% · 4.625%
HK$37,629
+HK$2,158/mo
Deposit HK$3.14M · loan HK$7.32M · min. income ≈ HK$70,942/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$392,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,133
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$38,129
−HK$1,010/mo
Today · 4.125%
HK$39,139
baseline
▲ 0.50% · 4.625%
HK$41,202
+HK$2,063/mo
Deposit HK$3.14M · loan HK$7.32M · min. income ≈ HK$78,278/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$392,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,915
−HK$2,691/mo
▼ 0.25% · 3.875%
HK$44,249
−HK$1,357/mo
Today · 4.125%
HK$45,606
baseline
▲ 0.50% · 4.625%
HK$48,381
+HK$2,775/mo
Deposit HK$1.05M · loan HK$9.41M · min. income ≈ HK$91,212/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,742
−HK$2,579/mo
▼ 0.25% · 3.875%
HK$49,022
−HK$1,299/mo
Today · 4.125%
HK$50,321
baseline
▲ 0.50% · 4.625%
HK$52,974
+HK$2,653/mo
Deposit HK$1.05M · loan HK$9.41M · min. income ≈ HK$100,642/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,085 · Scale 2, in force from 26 Feb 2026)