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$23,824
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$24,565
−HK$753/mo
Today · 4.125%
HK$25,318
baseline
▲ 0.50% · 4.625%
HK$26,858
+HK$1,540/mo
Deposit HK$5.22M · loan HK$5.22M · min. income ≈ HK$50,636/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$391,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,504
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$27,214
−HK$721/mo
Today · 4.125%
HK$27,935
baseline
▲ 0.50% · 4.625%
HK$29,408
+HK$1,473/mo
Deposit HK$5.22M · loan HK$5.22M · min. income ≈ HK$55,870/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$391,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,588
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$29,478
−HK$903/mo
Today · 4.125%
HK$30,381
baseline
▲ 0.50% · 4.625%
HK$32,230
+HK$1,849/mo
Deposit HK$4.18M · loan HK$6.27M · min. income ≈ HK$60,762/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$391,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,804
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$32,657
−HK$866/mo
Today · 4.125%
HK$33,523
baseline
▲ 0.50% · 4.625%
HK$35,290
+HK$1,767/mo
Deposit HK$4.18M · loan HK$6.27M · min. income ≈ HK$67,046/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$391,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,353
−HK$2,092/mo
▼ 0.25% · 3.875%
HK$34,391
−HK$1,054/mo
Today · 4.125%
HK$35,445
baseline
▲ 0.50% · 4.625%
HK$37,601
+HK$2,156/mo
Deposit HK$3.13M · loan HK$7.31M · min. income ≈ HK$70,890/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$391,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,105
−HK$2,005/mo
▼ 0.25% · 3.875%
HK$38,100
−HK$1,010/mo
Today · 4.125%
HK$39,110
baseline
▲ 0.50% · 4.625%
HK$41,171
+HK$2,061/mo
Deposit HK$3.13M · loan HK$7.31M · min. income ≈ HK$78,220/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$391,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,883
−HK$2,689/mo
▼ 0.25% · 3.875%
HK$44,216
−HK$1,356/mo
Today · 4.125%
HK$45,572
baseline
▲ 0.50% · 4.625%
HK$48,345
+HK$2,773/mo
Deposit HK$1.04M · loan HK$9.40M · min. income ≈ HK$91,144/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$391,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,706
−HK$2,578/mo
▼ 0.25% · 3.875%
HK$48,986
−HK$1,298/mo
Today · 4.125%
HK$50,284
baseline
▲ 0.50% · 4.625%
HK$52,934
+HK$2,650/mo
Deposit HK$1.04M · loan HK$9.40M · min. income ≈ HK$100,568/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$391,792 · Scale 2, in force from 26 Feb 2026)