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$23,812
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$24,553
−HK$753/mo
Today · 4.125%
HK$25,306
baseline
▲ 0.50% · 4.625%
HK$26,845
+HK$1,539/mo
Deposit HK$5.22M · loan HK$5.22M · min. income ≈ HK$50,612/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$391,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,491
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$27,201
−HK$721/mo
Today · 4.125%
HK$27,922
baseline
▲ 0.50% · 4.625%
HK$29,394
+HK$1,472/mo
Deposit HK$5.22M · loan HK$5.22M · min. income ≈ HK$55,844/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$391,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,575
−HK$1,792/mo
▼ 0.25% · 3.875%
HK$29,464
−HK$903/mo
Today · 4.125%
HK$30,367
baseline
▲ 0.50% · 4.625%
HK$32,214
+HK$1,847/mo
Deposit HK$4.18M · loan HK$6.27M · min. income ≈ HK$60,734/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$391,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,789
−HK$1,718/mo
▼ 0.25% · 3.875%
HK$32,642
−HK$865/mo
Today · 4.125%
HK$33,507
baseline
▲ 0.50% · 4.625%
HK$35,273
+HK$1,766/mo
Deposit HK$4.18M · loan HK$6.27M · min. income ≈ HK$67,014/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$391,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,337
−HK$2,091/mo
▼ 0.25% · 3.875%
HK$34,374
−HK$1,054/mo
Today · 4.125%
HK$35,428
baseline
▲ 0.50% · 4.625%
HK$37,584
+HK$2,156/mo
Deposit HK$3.13M · loan HK$7.31M · min. income ≈ HK$70,856/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$391,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,087
−HK$2,004/mo
▼ 0.25% · 3.875%
HK$38,082
−HK$1,009/mo
Today · 4.125%
HK$39,091
baseline
▲ 0.50% · 4.625%
HK$41,152
+HK$2,061/mo
Deposit HK$3.13M · loan HK$7.31M · min. income ≈ HK$78,182/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$391,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,862
−HK$2,688/mo
▼ 0.25% · 3.875%
HK$44,196
−HK$1,354/mo
Today · 4.125%
HK$45,550
baseline
▲ 0.50% · 4.625%
HK$48,322
+HK$2,772/mo
Deposit HK$1.04M · loan HK$9.40M · min. income ≈ HK$91,100/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$391,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,684
−HK$2,576/mo
▼ 0.25% · 3.875%
HK$48,963
−HK$1,297/mo
Today · 4.125%
HK$50,260
baseline
▲ 0.50% · 4.625%
HK$52,909
+HK$2,649/mo
Deposit HK$1.04M · loan HK$9.40M · min. income ≈ HK$100,520/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$391,607 · Scale 2, in force from 26 Feb 2026)