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$23,826
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$24,567
−HK$753/mo
Today · 4.125%
HK$25,320
baseline
▲ 0.50% · 4.625%
HK$26,861
+HK$1,541/mo
Deposit HK$5.22M · loan HK$5.22M · min. income ≈ HK$50,640/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$391,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,506
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$27,217
−HK$721/mo
Today · 4.125%
HK$27,938
baseline
▲ 0.50% · 4.625%
HK$29,411
+HK$1,473/mo
Deposit HK$5.22M · loan HK$5.22M · min. income ≈ HK$55,876/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$391,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,591
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$29,480
−HK$904/mo
Today · 4.125%
HK$30,384
baseline
▲ 0.50% · 4.625%
HK$32,233
+HK$1,849/mo
Deposit HK$4.18M · loan HK$6.27M · min. income ≈ HK$60,768/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$391,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,807
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$32,660
−HK$866/mo
Today · 4.125%
HK$33,526
baseline
▲ 0.50% · 4.625%
HK$35,293
+HK$1,767/mo
Deposit HK$4.18M · loan HK$6.27M · min. income ≈ HK$67,052/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$391,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,356
−HK$2,092/mo
▼ 0.25% · 3.875%
HK$34,394
−HK$1,054/mo
Today · 4.125%
HK$35,448
baseline
▲ 0.50% · 4.625%
HK$37,605
+HK$2,157/mo
Deposit HK$3.13M · loan HK$7.31M · min. income ≈ HK$70,896/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$391,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,108
−HK$2,005/mo
▼ 0.25% · 3.875%
HK$38,104
−HK$1,009/mo
Today · 4.125%
HK$39,113
baseline
▲ 0.50% · 4.625%
HK$41,175
+HK$2,062/mo
Deposit HK$3.13M · loan HK$7.31M · min. income ≈ HK$78,226/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$391,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,886
−HK$2,690/mo
▼ 0.25% · 3.875%
HK$44,220
−HK$1,356/mo
Today · 4.125%
HK$45,576
baseline
▲ 0.50% · 4.625%
HK$48,349
+HK$2,773/mo
Deposit HK$1.04M · loan HK$9.40M · min. income ≈ HK$91,152/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$391,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,711
−HK$2,577/mo
▼ 0.25% · 3.875%
HK$48,990
−HK$1,298/mo
Today · 4.125%
HK$50,288
baseline
▲ 0.50% · 4.625%
HK$52,939
+HK$2,651/mo
Deposit HK$1.04M · loan HK$9.40M · min. income ≈ HK$100,576/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$391,828 · Scale 2, in force from 26 Feb 2026)