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$23,843
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$24,584
−HK$754/mo
Today · 4.125%
HK$25,338
baseline
▲ 0.50% · 4.625%
HK$26,879
+HK$1,541/mo
Deposit HK$5.23M · loan HK$5.23M · min. income ≈ HK$50,676/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$392,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,525
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$27,236
−HK$722/mo
Today · 4.125%
HK$27,958
baseline
▲ 0.50% · 4.625%
HK$29,431
+HK$1,473/mo
Deposit HK$5.23M · loan HK$5.23M · min. income ≈ HK$55,916/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$392,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,611
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$29,501
−HK$904/mo
Today · 4.125%
HK$30,405
baseline
▲ 0.50% · 4.625%
HK$32,255
+HK$1,850/mo
Deposit HK$4.18M · loan HK$6.27M · min. income ≈ HK$60,810/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$392,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,830
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$32,683
−HK$866/mo
Today · 4.125%
HK$33,549
baseline
▲ 0.50% · 4.625%
HK$35,318
+HK$1,769/mo
Deposit HK$4.18M · loan HK$6.27M · min. income ≈ HK$67,098/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$392,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,380
−HK$2,093/mo
▼ 0.25% · 3.875%
HK$34,418
−HK$1,055/mo
Today · 4.125%
HK$35,473
baseline
▲ 0.50% · 4.625%
HK$37,631
+HK$2,158/mo
Deposit HK$3.14M · loan HK$7.32M · min. income ≈ HK$70,946/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$392,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,135
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$38,130
−HK$1,011/mo
Today · 4.125%
HK$39,141
baseline
▲ 0.50% · 4.625%
HK$41,204
+HK$2,063/mo
Deposit HK$3.14M · loan HK$7.32M · min. income ≈ HK$78,282/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$392,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,917
−HK$2,691/mo
▼ 0.25% · 3.875%
HK$44,252
−HK$1,356/mo
Today · 4.125%
HK$45,608
baseline
▲ 0.50% · 4.625%
HK$48,383
+HK$2,775/mo
Deposit HK$1.05M · loan HK$9.41M · min. income ≈ HK$91,216/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,744
−HK$2,580/mo
▼ 0.25% · 3.875%
HK$49,025
−HK$1,299/mo
Today · 4.125%
HK$50,324
baseline
▲ 0.50% · 4.625%
HK$52,976
+HK$2,652/mo
Deposit HK$1.05M · loan HK$9.41M · min. income ≈ HK$100,648/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,104 · Scale 2, in force from 26 Feb 2026)