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$23,910
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$24,654
−HK$755/mo
Today · 4.125%
HK$25,409
baseline
▲ 0.50% · 4.625%
HK$26,955
+HK$1,546/mo
Deposit HK$5.24M · loan HK$5.24M · min. income ≈ HK$50,818/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$393,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,599
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$27,313
−HK$724/mo
Today · 4.125%
HK$28,037
baseline
▲ 0.50% · 4.625%
HK$29,514
+HK$1,477/mo
Deposit HK$5.24M · loan HK$5.24M · min. income ≈ HK$56,074/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$393,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,692
−HK$1,799/mo
▼ 0.25% · 3.875%
HK$29,584
−HK$907/mo
Today · 4.125%
HK$30,491
baseline
▲ 0.50% · 4.625%
HK$32,346
+HK$1,855/mo
Deposit HK$4.19M · loan HK$6.29M · min. income ≈ HK$60,982/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$393,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,919
−HK$1,725/mo
▼ 0.25% · 3.875%
HK$32,775
−HK$869/mo
Today · 4.125%
HK$33,644
baseline
▲ 0.50% · 4.625%
HK$35,417
+HK$1,773/mo
Deposit HK$4.19M · loan HK$6.29M · min. income ≈ HK$67,288/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$393,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,474
−HK$2,099/mo
▼ 0.25% · 3.875%
HK$34,515
−HK$1,058/mo
Today · 4.125%
HK$35,573
baseline
▲ 0.50% · 4.625%
HK$37,737
+HK$2,164/mo
Deposit HK$3.15M · loan HK$7.34M · min. income ≈ HK$71,146/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,239
−HK$2,012/mo
▼ 0.25% · 3.875%
HK$38,238
−HK$1,013/mo
Today · 4.125%
HK$39,251
baseline
▲ 0.50% · 4.625%
HK$41,320
+HK$2,069/mo
Deposit HK$3.15M · loan HK$7.34M · min. income ≈ HK$78,502/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,038
−HK$2,699/mo
▼ 0.25% · 3.875%
HK$44,376
−HK$1,361/mo
Today · 4.125%
HK$45,737
baseline
▲ 0.50% · 4.625%
HK$48,520
+HK$2,783/mo
Deposit HK$1.05M · loan HK$9.44M · min. income ≈ HK$91,474/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,879
−HK$2,587/mo
▼ 0.25% · 3.875%
HK$49,163
−HK$1,303/mo
Today · 4.125%
HK$50,466
baseline
▲ 0.50% · 4.625%
HK$53,126
+HK$2,660/mo
Deposit HK$1.05M · loan HK$9.44M · min. income ≈ HK$100,932/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,211 · Scale 2, in force from 26 Feb 2026)