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$1,496/mo
▼ 0.25% · 3.875%
HK$24,589
−HK$754/mo
Today · 4.125%
HK$25,343
baseline
▲ 0.50% · 4.625%
HK$26,885
+HK$1,542/mo
Deposit HK$5.23M · loan HK$5.23M · min. income ≈ HK$50,686/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$392,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,530
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$27,242
−HK$721/mo
Today · 4.125%
HK$27,963
baseline
▲ 0.50% · 4.625%
HK$29,437
+HK$1,474/mo
Deposit HK$5.23M · loan HK$5.23M · min. income ≈ HK$55,926/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$392,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,617
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$29,507
−HK$904/mo
Today · 4.125%
HK$30,411
baseline
▲ 0.50% · 4.625%
HK$32,262
+HK$1,851/mo
Deposit HK$4.18M · loan HK$6.27M · min. income ≈ HK$60,822/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$392,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,836
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$32,690
−HK$866/mo
Today · 4.125%
HK$33,556
baseline
▲ 0.50% · 4.625%
HK$35,325
+HK$1,769/mo
Deposit HK$4.18M · loan HK$6.27M · min. income ≈ HK$67,112/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$392,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,386
−HK$2,094/mo
▼ 0.25% · 3.875%
HK$34,425
−HK$1,055/mo
Today · 4.125%
HK$35,480
baseline
▲ 0.50% · 4.625%
HK$37,639
+HK$2,159/mo
Deposit HK$3.14M · loan HK$7.32M · min. income ≈ HK$70,960/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$392,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,142
−HK$2,007/mo
▼ 0.25% · 3.875%
HK$38,138
−HK$1,011/mo
Today · 4.125%
HK$39,149
baseline
▲ 0.50% · 4.625%
HK$41,212
+HK$2,063/mo
Deposit HK$3.14M · loan HK$7.32M · min. income ≈ HK$78,298/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$392,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,925
−HK$2,692/mo
▼ 0.25% · 3.875%
HK$44,261
−HK$1,356/mo
Today · 4.125%
HK$45,617
baseline
▲ 0.50% · 4.625%
HK$48,393
+HK$2,776/mo
Deposit HK$1.05M · loan HK$9.41M · min. income ≈ HK$91,234/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,754
−HK$2,580/mo
▼ 0.25% · 3.875%
HK$49,035
−HK$1,299/mo
Today · 4.125%
HK$50,334
baseline
▲ 0.50% · 4.625%
HK$52,987
+HK$2,653/mo
Deposit HK$1.05M · loan HK$9.41M · min. income ≈ HK$100,668/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,184 · Scale 2, in force from 26 Feb 2026)